Sounds like OCD and anxiety. I hear mind chatter, too, and it's not anything to worry about, my psychiatrist and therapist said. It's different from hearing voices. If you were hearing voices you would think there was actually a source of noise in the room with you.

OCD obsessive thoughts can often seem like delusions because they are irrational fears. I would recommend seeing a good therapist to find ways to cope with your obsessive thoughts about becoming psychotic. If you do any compulsions, you need to learn to stop doing them to stop the cycle of the obsessions--> compulsions--> obsessions, etc. My compulsion is to try to get reassurance from other people about my obsessions, so I've learned not to talk about my obsessions much, if at all. That's just an example. You can learn how to do this from The OCD Workbook. It's an excellent resource. Keep in mind there is such a thing as having pure obsessions without compulsions. It's a form of OCD.

Also, there is a natural supplement my psychiatrist recommended to me for obsessive thoughts. It's called NAC and it works VERY well. I take 3,000 mg a day when I'm obsessing a lot. This is my favorite brand: https://www.amazon.com/Source-Natura...7&keywords=NAC

Best wishes for learning how to reduce your obsessions. With proper treatment, they can become less and less powerful and even go away. ((HUGS))