especially considering HAMAS fighters a lot of times wear civilian clothing and don't follow the laws of war
Sure, Hamas should paint giant targets on their backs and face the Israelis in an open field, mano-a-mano.
As long as Israel doesn't recognize Palestine as an independent state, I don't see why Palestinian freedom fighters, Hamas or otherwise, should behave like they're the official army of an independent state.
I don't think financial literacy is the problem. I think the majority of the debt is incurred because people need to spend money on necessities. No amount of sound financial planning can make that go away