[MrFoof]

I think the reticence most people have with initially engaging with a lawyer is they're not only not free, but initially not cheap on account of the retainer fee.

Yes, you'll get anything not used back, but the last time I needed a strongly worded letter I had to pay the $1500 retainer and finding a lawyer under $200/hour in my area is extremely difficult. I got my remainder back the following month, but the strongly worded letter cost $400 and tied up $1500 for about five weeks.

The reality is the average person -- if we go off all the studies pointing out the large swathes of the population that can't meet a $500 emergency expense -- may not be in a position to tie up cash, even in markets where a lawyer is considerably cheaper. It's also a cost-benefit equation, and the value of that (regardless of the outcome) is different for everyone -- I'm someone who'll go tooth and nail to get $20 back on principle, but for some people that threshold might have to be $2000+ to care.