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Same here. I am totally terrified of being in an accident or having a serious disease and then getting wiped out financially as I have seen others in similar situations. If you are lucky things usually work out but it can easily happen that you are liable for a $60000 helicopter ride or a $300000 hospital bill because somebody (not even you) has filled out some paperwork incorrectly.

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> I am totally terrified of being in an accident or having a serious disease and then getting wiped out financially

For majority of people through history, a serious accident or disease would wipe them out biologically, not just financially. Were they totally terrified throught their lives because of it? I don't think so. It's all a matter of perspective.

I personally try to accept that my life will end, the ending will likely be agonizing and nasty, and it can happen at any moment. I don't know a lot about meditation, but I think some strains of meditation schools tend to focus a lot on this fact, with daily contemplation of decaying bodies etc. It's an ancient tradition which may actually contain a lot of wisdom.

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