In which country is any of this different? Yes, if somebody is trying to scam you you may have to be prepared to go to court. I don't understand how else you're expecting a legal system to work.
But you keep insisting that there are rules to protect you. That's not true at all. Yes, there are rules, but you always have to prove that you are right/not guilty. In Germany the system is that you are guilty until proven innocent. You always have to prove that there's a regulation that proves you're right/not guilty, not the other way around. And you can't just ignore some clauses just because you think (or some legal advice tells you) you're right. You'll just end up with a lot of problems.
I've already given you many examples of how the system doesn't work in your favour by default, all the things that have happened to me or people I know in recent years. But if you want to believe in a "great" German system - that's your choice.
