Ugh. I've had that kind of experience for many, many years. In my experience, it is a mental health issue. The experience is anxiety, but whether it's "just" anxiety, or whether it's anxiety accompanying another mental health condition is something a psychiatrist would determine. There are medications to treat the problem, and therapy - or both.
It would be a great idea for you to speak with a mental health professional, rather than continue to suffer with such anxious imaginings.
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