Plus - "Still, all this morning I'm stressing over it -- thinking of scenarios ... Is she thinking of letting house go to foreclosure? Is she thinking of moving in with mystery guy who is just a friend but seems to keep popping up?"
Don't borrow trouble! No need to worry about maybe-might-could stuff. You have enough on your plate that is REAL to worry about - time enough to worry about potential stuff when and if it ever happens. Most such worrying turns out to be unnecessary anyway, yet saps your life.