Not for civil cases and in truth even if criminally prosecuted you are only sure to have a body you aren't actually in fact guaranteed competent representation in fact but rather only in law. In America if someone with more money than you disagrees with you and has even a trivial cause of action its entirely plausible they can legally destroy your finances and your life.

Having the most money is pretty much the only thing that matters here.

Not for civil cases. But again for something like this I don't see why you would rather drop the issue and capitulate rather than at least try to fight it out without a lawyer.

To "fight it out without a lawyer" runs the risk of the court resolving the case against you and awarding damages, most pathetically via entry of default judgment if you can't even figure out how to properly file an initial response to the complaint.

Not to mention your own time likely being better spent elsewhere.

Not in civil cases, only criminal

that only applies for criminal cases, not civil