I don’t know about you, but I don’t have a million dollars (or even one-tenth that) to devote to suing anybody. Right now there is no line item in my family’s budget for “lawsuits.” So basically, in a no-class-action future scenario, if I get screwed over by a company or the government, there will be absolutely nothing I can do about it. This would be a huge win for anyone itching to start their own Ponzi scheme, but a terrifying disaster for the rest of us.