Most of those people don't have contracts they want a lawyer to review. For other needs, people who can't afford lawyers and need help use family, acquaintance

Most of those people don't have contracts they want a lawyer to review. For other needs, people who can't afford lawyers and need help use family, acquaintances, church members, etc. who are lawyers, either free or at a sliding scale. They also sometimes subscribe to prepaid legal plans which do add up to a few hundred dollars, but over the course of a year. Big cases (like the sudden need for a defense attorney) are funded by passing the hat (or GoFundMe et al, these days.) There are also public defenders. The truly destitute don't even have that, of course, but other needs are pressing. Aid and social safety net programs do offer charity legal services where they can, but reach and benefit is limited.