Intrusive thoughts cause discomfort and fear, which seems to be what you’re going through. They’re unwanted and not what we want to be/are.
But how do I distinguish a scary thought from a interruptive thought?
@bryer They’re one and the same
From my knowledge, intrusive thoughts randomly pop up. They can be thoughts or images, scary thoughts I would say you think more on your own
If it starts with What if? Its probably an OCD thought. OCD thoughts are ego dystonic, that means they conflict with your character, morals, and character. OCD thoughts also have a sense or urgency. You need to resolve the question or do a compulsion RIGHT now. OCD also hates uncertainty. OCD thoughts are illogical and untrue. But they FEEL true. Hope that helps. The fact that you said "I need an answer" is a good indicator its an OCD thought.