The first part of the OP's question is easy. No person of military age wants to be sent to a meat grinder where they will be led by corrupt idiots, poorly fed and clothed, and expected to fight with questionable ammunition. All the time under the threat of being shot by their own side, if they retreat.
The latest intelligence from the US, with their all-encompassing surveillance capability, is that nearly 90% of the initial invasion force has been killed or incapacitated. It would be a miracle if that kind of information could be suppressed entirely.
How are they financing themselves? Some from savings, or investments outside Russia. Some from criminal activity.