Even if it is, it happens months or years later, with today's interest rates you would still end up with a debt unless you have the capital. I'm not even talking about the emotional toll and stress, especially when you're the good guy, just have to prove it..

No, both sides of a lawsuit are generally responsible for their own costs regardless of what the outcome is. There are some caveats to this, like anti-SLAPP laws, but that's how it generally goes. This is basically in contrast to every other western democracy.

https://en.wikipedia.org/wiki/American_rule_(attorney%27s_fe...