The idea being that for "normal" people, doing anything through the civil justice system is far too expensive and time consuming than just paying out up front.

The idea being that for "normal" people, doing anything through the civil justice system is far too expensive and time consuming than just paying out up front. So the choice is simply: Pay X up front and promise not to tell anyone, then be left alone OR Don't pay, attempt to fight it in court (using lawyers/solicitors/barristers) and absorbing the cost of this upfront yourself, regardless of the outcome.