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A core function of a civil justice system is the enforcement of legal obligations, including judgements. Enforcement by extra legal means of real or supposed obligations without a a prior judicial type decision, such as by threats violence or extortion is probably acceptable in a society that tolerates the extremes of freedom – which may be little different from anarchy.
The control of claims for civil relief first by judgement and then by limiting the force employed to enforce a judgement is important in a civil society. The limitations or inhibitions are found in the nature of the rules about execution or enforcement of civil judgements; some may now prefer to bypass the process as costly and inconvenient. If the cost to small businesses of obtaining and enforcing a judgment for a civil remedy is excessive, then “market” forces may encourage them to take other less formal and less inhibited steps for enforcement (or just give up). The cost of extra legal enforcement is of course uncertain but will be a good thing if it increases the gross national product (assuming it is reported for tax purposes). But the uninhibited exercise of force by outfits not responsible to the state seems to have more in common with the Mafia than British justice.
The civil justice system at the level of small day to day businesses is a vital part of an economy which depends on people getting fairly and promptly paid for the work they do. The cost of making this part of the economy work efficiently should not be inhibited by excessive court fees.