reluctant vs avoiding

[Sasooo]

Business English Lesson, Advanced Level

ESL/EFL Test #555 "The Physical Supply Chain", question 4

The system is uncertain for the supplier because the payment receipt date is unknown, yet powerful customers are ......... to invest in providing a more certain system because it is the supplier that receives the benefit.

(a) averse
(b) avoiding
(c) recalcitrant
(d) reluctant

Business English Lesson, Advanced Level

ESL/EFL Test #555 "The Physical Supply Chain", answer 4

The system is uncertain for the supplier because the payment receipt date is unknown, yet powerful customers are reluctant to invest in providing a more certain system because it is the supplier that receives the benefit.

Correct answer: (d) reluctant
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why don't we choose avoiding?

[Mister Micawber]

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'Avoid to + infinitive' is not a correct English structure.
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Native English teacher at Mister Micawber's