For your first question, I also go through similar situation, not with my siblings but people. They care not to listen to you and keep telling you to buy this, buy that and if you try to explain your situation to them, they take it to mean something else and won't listen to your explanation. It hurts though but one thing to do at that moment is to ignore and keep quiet because some would be waiting to use your words against you.
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That's right, I think it's better to keep quiet than to argue with people who don't reason, who, whatever you say, will twist it. It is not worth it. Let everyone believe what he wants and needs to believe.