I don't think most people do. I'm in my early 30s, though, and do - I use a service called LegalShield that I pay something like $17/mo for, and I have access to a lawyer who will do up to a certain amount of work per month covered by that fee, and then if I need more in-depth representation I can have them perform it at a discounted rate.

I've used it a few times (contracts questions, mostly), but I also have a lawyer "on call" if I'm ever arrested or otherwise am in legal trouble. I realize that $17/mo isn't affordable for everyone, but it's worth it to me.