If you consider what the words due to and because of really mean:
due: adjective: owed and payable immediately or on demand.
Thus, your catastrophe was due to bad planning, so you had to pay "bad planning" whatever bill you had, the only currency being catastrophe because bad planning doesn't accept anything else and doesn't give change.
"because of" simply indicates a reason/source.
People feared him because of his angry bouts.
People exist because of the Sun.
People exist because of the Sun's warmth.
Although, when attributing something positive it is more natural to say "Thanks to X" instead of "because of X" unless X was anticipated to be bad and turned out good anyway (where the inflection changes).
A was expected to be bad but turned out good:
I thought I was a goner...but I actually got back home because of X!
("Thanks to" also applicable in same inflexion)
The puppies ran away because of the storm.
The puppies ran away thanks to the storm. ** strange -- were you afraid of puppies so this is a good thing?
The puppies ran away because of the noise caused by the storm
The puppies' running away was due to leaving the gate unlatched * technically grammatical but more difficult to say and is generally unsaid/avoided
The drought was due to (the) lack of water.
That is still a very interesting question