Should I start my defense no matter what?

[The Franchise]

Here's the deal.

I'm winning 131.5 to 127.2 going into Monday night. The team that I'm playing has no players left. I've still got Greg Olsen and the Panthers defense.

Here is my quandry. Should I start the Panthers defense....even though they (in a worst case scenario) get me negative points and lose the game? Or do I bench them (league allows not starting a defense) and basically ensure that I win.