Well from what i've figured you can't go from neurotic to psychotic
You can develop it independently though due to factors such as genetics, drug abuse and just simple random "luck"

I am at higher risk of schiz inheritence and as i said i've been super afraid. I was lucky enough to not try pot until the age of 19 and i didn't do it that much over my lifetime, now im done with it forever. But if i tried it earlier, it would've been worse for me

Like i realize that it is unlikely that i've experienced first real symptoms of schiz just after i got one of my major fears out of the way, especially since i've never had voices before, but still i feel uneasy and expect them to pop up any moment. And even if i did develop schiz, it would be not because of my anixiety, but because of other factors (genetics, etc) and the disease would've already been there for some time i guess without showing up in any other major way, since what i had were definitely not delusions... I don't freaking know man...

I also freak out whenever i mistake one object for another. Like at work (as i said i work at animal store and we get loads of animals coming in) i am sitting down, working on boxes and i thought that i saw a dog walking with my side vision, but it were someone's shoes moving in the same manner. Any normal person would brush it off, but for me it is "Am i hallucinating?" same thing with voices, any normal person would forget about them immediately, but i get hung up on thinking about how i may be schiz and all..