I would note that Mab didn't give Harry a gift, she gave Maggie a gift. And Molly's gift was symbolic, rather than tangible. Sarrisa's influence I suppose, still teaching Mab humanity. I suspect that Molly's gift fulfilled an obligation incurred by the Winter Court when things went pear shaped during the Peace Talks. The Mother's don't visit this realm, or at least so we are told.
Edit
By the way they have prettied up the Christmas short story with illustrations and packaged it into a PDF file for download.
The gift was
to Maggie, but
for Harry. Being the indirect person that Mab is, the actual gift to Harry was strengthening his fatherhood and his bond with his daughter.
Telling him to be sure to tell Maggie who it was from also obligates him to explain just who his boss is—and what his job is. Therefore obligating Harry to embrace responsibility. Something he has avoided in the past.
I could keep going. This is enough for now. The gift was definitely
for Harry.
Man outright says "I have brought your gift." And "I have an obligation to my vassals ." So she IS gifting Harry. It's only indirectly for Maggie.
Molly also says her gift is part and parcel to the whole winter lady gig.
Bob states that the knight has different duties to each queen. But it just feels off for two out of three.
I’ll point out that Molly may mean that
paying those bills, i,e, debts, is “part of he gig as the Winter Lady". Letting Harry know about it is her personal gift to him.
Just going to muse that this exchange is a prime example of why Molly was the right person for Harry all along. Now, we’ll just have to deal with those annoying mantles.
Hmm. Being the guilt factory that Harry clearly is, I wonder how long it’ll take him to figure out that if he’d just boinked Molly, that she wouldn’t be the Winter Lady?
Lastly, remember that Mother Winter cannot travel. Kringle gave Harry a late Christmas present because the island was a “tough delivery”, so it’s not inconceivable that Mother Winter would wait until Harry travels to her again.