Hello Lrf and welcome to the forum. It makes completely sense that you would have the fear and anxiety you described — that comes from your mind doing its job and looking out for you!
To answer your question, there is no evidence that chronic insomnia causes any health problem whatsoever. It can definitely make living the life we want to live more difficult, but it cannot harm us — the body knows how to sleep, it will always generate the minimum amount of sleep we need (when given the opportunity), and it’s often all our understandable attempts to make sleep happen and to fight or avoid wakefulness and what we might think or feel that makes things a lot more difficult.
I hope there’s something helpful here and that things improve for you. You aren’t alone.
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