I paid plenty of bills late and am terrified of opening bills and bank statements every freaking month, I was often late with bills because i was afraid to open them: for no serious reason though, I make decent money and I don't have any serious disorder/illness that could at least justify this idiocy.

My therapist said it's quite normal to have money and bills anxiety. You just figure out what works for you. Set it up automatic payments or pay ALL your bills on
a specific day etc set up reminder on your phone etc

What works for me is opening my bills and statements and paying all my bills with other people present where I can't get hysterical: in a coffee shop, at work during some type of break but with others there etc

We can't stop certain phobias or deficits but we can learn to cope. Plus with parents getting older, it's time to think about the future