If the police are talking to you then by definition they are trying to incriminate someone, that's their job. Police officers are obliged to use any legal means available to obtain evidence - anything less would be negligence. As they are obliged by law to tell you, anything you say or do can be held against you in a court of law. You have a legal right not to incriminate yourself, but you don't have the right to un-incriminate yourself in hindsight, even if you incriminated yourself only inadvertently. If you have evidence that proves you did not commit a criminal offence, then it is in your best interest to use your right to legal representation to ensure that you give that evidence as clearly as possible and do not say anything that could undermine that evidence.
Not talking to cops is a basic principle of privacy, like shredding your credit card bills or using a password on your e-mail account. Once information is out there, you can't get it back, so it's your duty to preserve it at all costs.
If talking to the cops made sense, the cops would be doing a lousy job.