Their 'holy book' commands them all to be 'holy warriors'.
There are no civilians. Once again, you haven't educated yourself on the mindset of the enemy. Now if you want to risk your life that's fine. But you've no right to gamble with mine.
L
You have a point in the sense that that jihadis want their war to be the uprising of the whole people, including pregnant women strapping on explosives, and 12-year-olds setting up IED's. And of course, they can put together a pageful of their perverted scriptures in support of this filthy vision.
However, not all Muslims go along with this. You yourself know that a substantial majority of those killed, injured, made homeless and forced into exile over the past 20 years by Muslim jihad groups, have been other Muslims. Sectarian violence and ethnic/regional mayhem seem to account for the lion's share of violent deaths.
With nobody wearing uniforms, following a flag, following a recognized command structure, or representing a state or government. it is exceedingly difficult to sort out who is a combatant and who isn't. Most of the combatants are technically civilians; and they'll use anybody--- street-sweepers, beggars, schoolgirls, babies -- as human shields.
In such situations, you can't expect our troops to be clairvoyant or exercise infallible judgment as to targets. It's inevitable that as they target the thugs, there'll be a lot of collateral deaths. OK. But they still have to target the thugs.
For that reason, it's still important to rule out notions like "Let's drop a Big One on Mecca at the height of the Hajj." That's not war: that's butchery. It puts you on the same moral level as Mohamed Atta al-Sayed.