What do you think is going to happen to the courts if suing over small sums is effectively free? Don’t you think a lot of people are going to bring effectively irrelevant lawsuits generating enormous cost on everyone paying for this system?

I'm sure these questions have been posed and solved already because we have it in Brazil and while the judiciary is absurdly expensive here, I assure you it isn't because of irrelevant lawsuits (https://www1.folha.uol.com.br/internacional/en/business/2024...). This is a non-issue unless you can prove that this would happen in the US.