It might make sense if potential legal liability was limited to your own expenditure (though that might get complicated with self-representation). For instance

It might make sense if potential legal liability was limited to your own expenditure (though that might get complicated with self-representation). For instance if you've spent 30k on a defense vs. a company that put in 20M - you'd be on the hook for 30k or some multiplier/proportion of that. It'd essentially be a one-way filter: little guys get protection and bigger companies receive almost none - but it might also be exploitable by legal trolls filing bogus suits with essentially no liability exposure. The law of the law be a complicated and harsh mistress.