Guardian: It’s 4am in the morning. You’re lying awake in the worry hour. You know that, even if there was nothing to fret about, your brain would come up with something. But this time, the anxieties are thundering past, like delayed trains chasing the clock. Can I trust the bank to look after my money? Clickety clack. How much has my house fallen in value? Clickety clack. Will high fuel prices mean I can’t keep my car on the road? Can I afford to buy enough food for the family? Clickety clack. …