And what about people who can't afford lawyers? Why does any American citizen have to spend exorbitant amounts of time and money disputing something that should be resolvable with a phone call?
I have a professor who's also a lawyer, and he said something that resonated with me: "The law isn't about what's convenient [or profitable], it's about what's right." People who have been wronged can take things far beyond what would be "reasonable".
The mere presence of a lawyer changes every interaction you have with any institution. It makes ignoring you a far more risky endeavor.
There should be legal counsel available, and it should be a lot easier to navigate the system; but unfortunate in the US (and probably most other countries) that is simply not the reality.
Many people believe that all criminal defendants are entitled to a lawyer at government expense, but in fact they are not. Unless you are indigent, you'll be required to hire a lawyer yourself or do without.
Not for civil matters, at least in the US. You are only guaranteed a lawyer for criminal charges.