They're not stupid questions.
There would be all kinds of disruptions to the normal order of business, should a civil war break out. Some things would still work, while many would not.
I don't know that anyone can predict with accuracy, which things would work, and which would break, in that scenario. I doubt if you'd lose your house to foreclosure, but a local bank just might want to repo your car for non-payment. The federal government might well be the first thing to break during a civil war.
Frankly, if such a war were to start, I think it would be over very quickly. The takers will fold rapidly if the makers come for blood.
The Finnish Civil War (early 1918) lasted not-quite four months.
And killed more than 1% of the population of the entire country.