Indain surveillance system is just strong in the plains and cities, that is all. TRF and PAFF have carried out minor attacks in Srinagar and Pulwama while JeM blew up 40 Indian soldiers in Pulwama.
Money and weapons are something anyone can arrange for. The expertise of ISI in asymmetric warfare, and ISI's HUMINT network is another story.
We unilaterally withdrew from Kargil only because of Clinton's pressure, and we stopped supporting JeM and HM because they became US designated terrorist groups.
The US wants to use India as cannon fodder against China like it has used Ukraine against Russia. Hence, it does not want India to feel threatened on other fronts, be it by Pakistan or Canada. This is the sole reason Kashmir has not become a slaughter house for Indian soldiers.
So in short, we have toned down the intensity of the insurgency because of the US, not because of Indian strength.
This has also backfired in a way because the resistance is largely an indigenous effort now.
They are no longer restrained by ISI's ROEs which call for small, regular attacks to not cause an indo-pak standoff. Prime example is JeM doing Pulwama, something Bajwa-Imran khusras would never dream of authorising.
Kashmir is a small place. Launching one attack every few years isn't a real insurgency capable of achieving any political objectives. ISI utterly failed in it's Kashmir war, they have nothing to show for after 30. India didn't made any compromise on Kashmir. If anything, Indian position is now more hardline and any compromise from India is out of question. Militarily or politically, Pakistan achieved nothing from it.
Meanwhile Indian state is destroying every militant infrastructure and support systems after removing article 370. Banning of Jamat e islami and seizing all their schools and Madrasas alone crippled pro-militant ecosystem beyond repair. Pro militant individuals are all now arrested and shipped to uttarpradesh jails. Separatists who used to propagate militant narratives were all dealt with. Just look at news media like
https://www.greaterkashmir.com/ or
https://www.risingkashmir.com/ . 10 years ago, they were filled with pro separatist and anti state agenda. Now they are more nationalist than Delhi medias. JKLF gone, it's leader got life in prison. Hurriat Conference gone, it's leader Mirwaiz Umar Farooq got software update. Everyone from hardline Hurriat fraction is in jail. After getting rid of Kashmir autonomy, law and order is now under federal government. Now properties of militants are being seized, something that was not possible before 2019. No more stone peltings, no more mass agitations, because everyone know police under federal government won't give anyone free pass unlike the old state government. Pakistan loses more soldiers in Balochistan and KPK every 3 weeks than India loose in Kashmir a whole year.
And no, Money and weapons are not something Pakistan can arrange. Not when the nation by is bankrupt and in need of loans. And CIA didn't just provide money and weapons, they also provided Intel, training, and enormous media propaganda to support the Jihad.
Again, you never unilaterally withdraw from Kargil. You were unable to stop Indian counter offensive and loosing positions one after the other. Clinton didn't came to Pakistan requesting to withdraw, Pakistani prime minister ran to America uninvited, to bail Pakistan army out. He asked for a cease fire from India so Pakistan army can withdraw without Indian artillery barrage. India refused the offer, and Pakistan Army finally had to retreat under heavy Indian artillery and air attacks, suffering even more casualties. Nawaz himself said how army chief begged him to go to USA for help. Pakistan military got bombed by Indian Airforce all day and PAF refused to even get involved.