Alina,

I hope I am understanding you. I think the translation is not so good, but I want to say, it is true.  We all should ask the hard questions.  But not limit them to, "what if this bad event happens?"  because many times the person won't act out of fear.

How about I use "what if" in an optimistic way,

what if I stay healthy? which I am now.

what if I live to be 85? which is possible in todays world.

what if I am able to provide for my children until adulthood?