Say it’s a small dollar amount – less than $500. Just to initiate your own lawsuit is going to be a couple hundred dollars of expense, so to bring your own lawsuit is definitely a cost that you’d have to take into account as to whether you want to stay in or not. The benefit is that you get to control your own litigation, and you get to decide how you want to advocate for yourself.
You can’t be forced to join a class action. It’s either you stay in, or you can opt out, and you can bring your own lawsuit or you can also opt out and decide not to file a lawsuit at all, and then you’re not having any money issues.