Rule 11 speaks to that problem.
A more universal “loser pays” system exists in many states but needs to be much more widely enforced.
It seems to me the demand that a plaintiff demonstrate financial capability to pay an adverse judgment means that one can’t be a plaintiff - and thus can’t bring a case - unless he has the ever-increasing amount of money it takes to litigate.
How is that different from saying that the courts shouldn’t be accessible to the vast majority of the population which has no ability to pay judgments of such size?