The figures in AJK could be roughly estimated at 100,00 government servants from a population of c. 5 million. In percentage terms that would be a no less staggering 2%, especially given Pakistan's use of religious emotion to elicit voluntary support almost at will.
Figures for Gilgit Baltistan (GB) can roughly be extrapolated as about 40,000 government servants from a poulation of c.1.9 million. That in percentage terms would be about 2.1%.
Given that between 30% to 50% of the population on either side of the LOC is under the age of 16 and that most adult women are not made eligible for work, the figures are even more mind-boggling if compared to most of the rest of the world.
Resisting such a structure with carrots dangling such as described above or alternatively facing the stick of the occupiers for resisting such a trap, makes genuine activism on the ground difficult to mobilise en masse.
I can't speak for the Valley but in AJK the rest of the population, not usually engaged in resistance but desirous of independence, are reluctant to initiate fund-giving for public interest. What they do give is pro-actively canvassed by activists and more often than not, is usually given to fund political rallies, processions, speeches and publicity.
Given the above, there is little time, effort/intellect or finance devoted to the 3 other aspects of struggle needed for change. Namely:
(1 being political as discussed already)
That also means, choreographing genuine change internally is the rockiest of mountains to climb.
Finance to sustain the occupation must be countered by finance to end the occupation. Obviously not at the same level but enough to sustain a well-thought out day to day struggle covering all four aspects.