Is super realistic now days to assume that a world must follow its internal logic and logic connected / similar to real life?
Skif is an ex soldier, knows his way around guns - puts an AK back together in one clip and makes remarks about a PTM's tendency to jam in his dialogue with Solder,
but... he's unable to fix its own guns!

Same stupid BS that was in Call of Pripyat when you, a colonel in the army, didn't know how to maintain your weapon(s)!
Moreover, you hear NPCs making remarks on how you must take care of your equipment as it will keep you alive and yet, basically, all loot is worn to some extent and NPCs only care a few bullets with them. There are plenty of techies around, but no weapons are upgraded! Makes perfect sense, right? Just like a stupid character wondering alone into darkness in some cheap horror movie...
Then, when you think logically, as it would be in reality / our world, in what parallel universe a pistol does more dmg than an assault rifle? In what universe you need to shoot so many bullets into someone / something to take it down? In what universe everyone knows who you are and sees you easily while aim bot shooting at you?
Economy? Come on, ChatGPT can put together (and it did for me) a list of prices for items that you'd use in the zone, making it a lot better than what they did...
It's the same artificial scarcity that's happening in RE as well and lack of internal and real world logic. So yeah, is still a crappy game that one, too! Add TLOU and other gamers favorites for good measure!
That's by design. Higher difficulty will mean that you'll get less loot from NPCs and the like, plus tougher enemies. I'd suggest just playing it on the easiest difficulty. Makes life better.