Don't expect that "crash and burn"/"come to Jesus" moment will happen soon or at all. Wishing for it may also be useless. And even if/when it happens there's no telling what's next; it could get worse after that. I went thru' months of thinking like this and people telling me things along these lines but its useless thinking. The best you can do is control you as Coach and others point out above. But I like your approach of hoping for the best and preparing for the worst. The biggest challenge is overcoming your fears.