If you have ever had the 'pleasure' of watching somebody go through a psychotic breakdown, you will have seen somebody in the grips of fear with their mind racing from one notion of the cause of that state to another, a massive release of associations, connections, and imaginary causes happening at an accelerated pace. In such manifestations is is possible to see before your own eyes that thought is fear and that it is fear that can generate associative thought. It is the grip that what we think is reality that creates the tie in to fear, the assumptions that the imaginary connections we make are actually there. Thought is there to calm fear, to tell us where danger lies, to assure us that the environment is safe, to detect patterns that signal danger in the randomness of sensations. When there is an underlying anxious state, PTSD, childhood conditioning, etc. fear thought will take flight and we will see threats in everything.
Smart people try to confine all such fears to a monster that lives under the bead and jump into it to sleep at night from six feet away. Just make sure your bed has rubber feet so it doesn't careen into the dresser. Trust your wise friend, Moonbeam, on this.