Settlers aren’t civilians, they are agents of the state whose express purpose is to colonize and settle lands the settler colonial nation state they represent have claimed. It’s the same reason that the US sent settlers ahead of where they intended to dispossess indigenous groups. It gives a cover for their inevitable escalatory retaliation when the indigenous are forced to turn to violence to protect themselves. These tactics have been analyzed for hundreds of years, and they don’t work on people who actually read history. If you want to be an Israeli civilian, live in Israel’s territory, not the illegally occupied settlements.