Break down the problem, and identify your goals in dealing with it/them. Is your problem one or more of: 1) fear is unpleasant and you'd rather not experience it, regardless of any other experienced or behavioral differences? 2) there are consequences to not using an account? 3) there are consequences to trying to use an account when it's not necessary?
I haven't forgotten about your comment, I'm actually just stopped by some of these suggested questions and have been mulling over them. Thanks by the way!
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
Notes for future OT posters:
1. Please add the 'open_thread' tag.
2. Check if there is an active Open Thread before posting a new one. (Immediately before; refresh the list-of-threads page before posting.)
3. Open Threads should be posted in Discussion, and not Main.
4. Open Threads should start on Monday, and end on Sunday.