Sometimes dealing in hypotheticals can really save your ass. Buying insurance for example. That's one big fat chunk of your paycheck that deals exclusively with the "what if" aspect of life. I see your point though. As long as the "what if" has to do with something pertinent that could actually happen (for example, a devastating car accident although most are just fender benders), it's a valid question to pose. If it has something to do with the Nazis coming to steal my goldfish, however, it's best not to waste valuable time pondering this query.
I had to put this Shel Silverstein Poem in here.

Last night as I lay thinking here,
Some Whatifs crawled inside my ear.
And pranced and partied all night long.
And sang their same old Whatif song:
Whatif I'm dumb in school?
Whatif they've closed the swimming pool?
Whatif I get beat up?
Whatif there's poison in my cup?
Whatif I start to cry?
Whatif I get sick and die?
Whatif I flunk that test?
Whatif green hair grows on my chest?
Whatif nobody likes me?
Whatif a bolt of lightning strikes me?
Whatif I don't grow tall?
Whatif my head starts getting smaller?
Whatif the fish won't bite?
Whatif the wind tears up my kite?
Whatif they start a war?
Whatif my parents get divorced?
Whatif the bus is late?
Whatif my teeth don't grow in straight?
Whatif I tear my pants?
Whatif I never learn to dance?
Everything seems swell, and then . . .
The nighttime Whatifs strike again!