A stop-gap would be to motivate yourself with fear: if you can't avoid being afraid, try to use it.
For instance, imagine specific catastrophies that could occur where you would need money, to motivate you for a job hunt.
It probably won't solve your problem long-term, but if it motivates you, then any port in a storm.
I don't know if there's specific evidence regarding this intervention, but in the absence of scientific evidence my fairly confident prior would be that it would be highly counterproductive - it would result in a spiral of SNS activation and paralysis.
The cognitive distortion is called "catastrophizing", I think.
I'm afraid of unexpected, strongly negative events occurring to me without warning. Nothing specific, just a generalized fear. That fear is crippling me. Worse, there's a part of me that feels that fear is keeping me safe. "If I let go of that fear," it goes, "I would start doing things and then I wouldn't be safe any more."
I haven't filled out a job application in over a week, because doing so would force me out into the world if i got an interview, and into the world consistently if I got the job.