I have a hard time ordering at restaurants too. No, you're not morbid to take a 1 in 6 chance do die and a 5 in 6 chance to be set for life financially. If you can live (no pun intended) with those odds, that's your choice. It took me a while (again, less time it takes for me to order - at a really good restaurant) to decide I'm not willing to chance the odds. No amount of money is worth it to me.