(Sorry, I kept hitting a post timer. I might have gotten temp banned for using an alt account, or something.)
Thank you for the kind reply. I certainly understand why you may be confused, and I appreciate that you did not ask in a nefarious manner. (Honestly, I regret bringing this up given how negatively people have already responded, but there isn't a means to delete this thread. Lesson learned. I'm just relieved I used a throwaway account.)
Anyway
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Court System:
I am furious with company. I demand money from company and take them to court. If they do not appear in court, they may face coercion from the police. They very well may be hurt or killed in that process. If they still do not show, they will face jail time. In the event that they do show up to court, there are massive court fees on each side. The plaintiff demands more than what they are owed. The court process puts great emotional burden and financial strain on both parties. Both parties are unlikely to ever work together again, under any circumstance. Everything that is said in court is made public record, and can be used against either part in future cases. Both parties risk severe communal damage as a result of the case. "Did you hear that company lost? They must be criminals!" "Did you hear so-and-so won that legal case? He must be going on vacation with his winnings! He still owes me $300!" Etc. Additional parties are incentivized to "go after" the company for their own recompense, justified or otherwise.
Recoup losses:
I am unhappy with company. I approach the owner, the business (or in this case, some 3rd party, like the BBB) in a private setting. I inform them of my grievances. I ask them for the amount owed. If they do not comply, the police do not become involved. There is no chance for coercion, violence, or death. There is no chance of jail time. There are no massive fees. The amount I request is the amount I feel I am owed - it does not include court fees or lawyer-related payments. There may be minor embarrassment on each side, but the embarrassment is shared, and more crucially, is not made a public spectacle. The interaction is not recorded, or, if it is, is not easily remembered. Neither party will face long-term or devastating public disgrace as a result of the outcome. There is no incentive for additional parties to seek payment. I very well may work with the party in the future. (I have a specific ISP in mind, for example.)
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I am, of course, leaving out a lot of scriptural elements as well, but I have been accused of "preaching" on previous occasions, so I will save my breath on that matter. Besides, given how horribly vicious people have been simply by mentioning a denomination, I would not wish to give them more coals to chew.
It is a hard thing to put to words, but the core difference is this: It is not merely getting the money owed to me that is important, but instead doing so in a way which does not harm the community in the process. Being given what I am owed is nice, but it would be better for me to receive nothing, than to do so in a way which would harm them in the process. I have no qualm holding my hand out and asking, but it is up to them to do the right thing.
I suspect that some of my Eastern brothers and sisters will know what I am talking about when I say: collectivism (culture not politics) trumps individualism. The body of Christ is made up of people not person ; I'm not sure how else to express it.
Hopefully that made some sort of sense.