It's been years since I paid careful attention to my checking account balance. I know that I keep enough money in there to cover my monthly bills, and I add to it regularly enough that I don't worry about writing a check large enough to throw me into negative numbers.
I consider myself fortunate that I live beneath my means, and I recognize that not everyone can do that. I understand the need to watch your account carefully... to have to decide which bill to pay, and which bill will just have to wait 'till a better pay period. I used to be one of those that had to relegate bills to the next month... and because of that, my credit score used to scrape the bottom of the barrel. But I haven't had those worries for quite some time.
And yet, the "worry" stays with me. It's now in my DNA. I check my financial accounts online daily. I know what should be in there, and always find myself relieved that it's there. I worry about identity theft, or an accidental overdraft and the bounced checks that would follow. I occasionally wake up in the middle of the night worrying about such things, and have to run to my computer just to check.
It may be hard to understand.. (I know it's hard for ME to understand). While logic tells me to relax, my brain goes into overdrive worrying.
I think even if I won multi-millions of dollars in the lottery I would still worry.