why do we indulge?

I have a pattern of indulging in these fears and stories and worry that is preventing me from taking action. It angers me because I see it so clearly and yet I insist on indulging in the same story over and over, and I see it doesn’t serve me. But on some level, aren’t these indulgent thoughts there for a reason? It’s all rooted in fear and shame: “I’m gonna lose everything, I’m not making enough money, I’m not doing enough, I’m not far enough along.” But even when I acknowledge it as fear, they come back harder and stronger and that tape rolls on constantly. I’m spending more time working on my worry than I am making offers and putting myself out there. It’s exhausting and it’s not getting me closer to my goals. What are the indulgent thoughts trying to tell me??