I was told that "because of" is an adverbial prepositional phrase while "due to" is an adjectival prepositional phrase.
Now consider this example:
I'm having to bear losses because of my mother-in-law
Here mother-in-law is the object of the preposition "because of", which is a noun.
Now how is it an adverbial prepositional phrase?
Even if you say it's modifying 'having to bear losses'.
Aren't adverbs used before verbs?
https://www.dailywritingtips.com/because-of-and-due-to/
https://english.stackexchange.com/questions/7385/can-due-to-and-because-of-be-used-interchangeably#