don't you hate it when people say whats the worst that can happen?

don't you hate it when people say whats the worst that can happen?
I thought well I can die then become a ghost see my own funeral where everyone is laughing and having fun.
I will pay big money to write a script someone will read during my funeral, things I want people to think of me, and someone to pretend that is how they feel. I usually dont think at all about the negatives in life but I have a coworker who keeps bringing up death and I can not seem to take my mind off of it. she asked me what would happen how would you support yourself if your parents died, I hope everything would still be fine even if they died but I dont know and I do not want to think about it.