I totally get bouts of "what ifs".

BUT. All kinds of things can happen. No matter who you are. What with being inherent in the human condition and all that... So what to do?

Cross that bridge when you come to it. IF you even come to it.

Also, it's operating under the assumption that all "what if" outcomes are catastrophic.

CBT this. Reality check. Go ahead and just take it one step at a time, building your confidence as you go. Don't let problems that are only theoretical (and catastrophised theoretical at that!) stop you from trying, ok?

P.s. While "in person" it has its place, online IS the way it's done anymore. I'm old school, and found this to be the (for me, disconcerting) new reality. So it's not exactly a valid point of criticism. (So tell her I told her to stop that! )