I believe what exists in the real world becomes a monster in our head based on how we perceive it. Some experiences are obvious, such as being bullied or abused, but some experiences such as lack of appreciation for one's good work or unrequieted love could create monsters in our mind that may not have the same effect on others.

I also feel anxious in many ordinary life situations such as talking to strangers or taking responsibilities so I could connect with your poem. The bit about ensuring no finger or toe leaves the safety of the blanket is so on point. Too good.