People incorporate for a reason, though. If you don't your personal assets aren't protected if the business gets sued or becomes insolvent.
There's a reason Donald Trump still has lots of money after having his businesses go bankrupt four times.
Trump is/was doing multimillion dollar real estate development with outside investor's money, and observing lots of corporate formalities. That's why his businesses could go bankrupt without wiping him out.
If I represent a creditor, I'm not going to care if your chickenshit small business is incorporated or not, particularly if it's just a professional services business like a consultant. I'll just sue you AND your corporation. Besides, most creditors that loan to small businesses demand personal guarantees from the owners.
Just having a corporation won't make you Donald Trump. But it might earn your tax preparer some fees.
You can sue anybody you want. The question is always whether or not you can prevail. If you're just a creditor you would almost certainly be unable to get a judgement against the individual unless he did something stupid like spend corporate money on personal items.