Kindly address “Admission by Silence” in view of “You have the right to remain silent. Anything you say can and will be used against you in a court of law.”
It looks like remaining silent can be used against you and speaking can be used against you.
The rights afforded by the Fifth Amendment, including the right to not be compelled to testify against oneself, expressly apply to criminal matters. There is no such protection in civil, or non-criminal matters.