Wow, you definitely need help. If your dreams are that realistic and that unpleasant, then it's actual torture. If I were u, I'd get a different insurance. If that's not possible or practical, I'd still get help. Do it before you have a dream where you get disemboweled! Feel free to make your own decisions, and decide what's best for you. But if I was in that situation, and I had to choose between being broke or getting tortured every night, I'd choose to get broke. [spoiler]In fact, I'd probably rather starve.[/spoiler] [b]Edit:[/b] Wait! I just thought of something!!!! You should become an author and write books about your dreams (or inspired off of your dreams). It [b]is[/b] a possibility that you're the only person on the planet who experiences this, so writing books about it will get you rich and famous. Then u can pay for your psychiatric help! :D