sally, i know what you mean, about fear (of the future).
i try to formulate a plan of action when i think the "what if" scenario.

like if i fell i'd use a life alert service.
i can call my neighbors and i gave them a key to my house.
over simplistic maybe but you get the idea.

the more complex the problem the more complex becomes the solution.
not easy. i'm so glad you have family even if i can understand that you don't want to burden them.