Based on your literal interpretation, the 5th amendment would only apply to the male gender, no?
So the amendment is necessary not because of the general case (in any circumstances, it is obvious that nobody has the right to expect a self-incriminating answer to a question) but because of the specific case of a witness.
However, nowadays, people seem to need to be recalled that they are not expected to speak against themselves anywhere. Except if they willingly want to do so.
"Did you insult your classmate?" is usually not a legal proceeding. However, answering it one way or the other will help you or not. You do not need to answer that question. But quoting the Fifth for not doing so is ridiculuous: it is way before the Fifth amendment.