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!