Who cares?
You are correct. You can choose to lose in civil cases all you want and not participate. I can accuse you tomorrow of stealing all my money and sue you.
YOu can know we never met. You can have proof I am lying. And you can also, as you say 'refuse to participate in the court case and take the 5th and not answer'.
Yes correct. BUt only a derp thinks that is smart or something to do. In a civil case if you are not willing to offer any defense, especially if you are in fact innocent, you are a fool as you only leave the jury one side of the story to hear, while they are told that what taking the 5th means is 'that what you might say might incriminate yourself'.
So you be you boo and stick to your right, and let me sue you, while you take the 5th despite being innocent and see that happens to you.
The above is what makes Trump supports derps. They are so incredible dumb they cannot connect that simply because he has a right to take the 5th and not participate does not mean it is smart to do.
If you are innocent you should defend yourself, even though you have the right not to.