You said “You’re Unwilling to Christmas” I don’t understand. Christmas is not a verb. Also, I do not loath Christmas, I loath Christmas things outside of the Christmas season. In season, I love Christmas things.
loath is an adjective describing a noun (the noun being “I”.)
loathe is a verb, giving action to that noun.
You ARE loath to celebrate Christmas in any cultural fashion before Thanksgiving.
You loathe Christmas music out of season.