Could you elaborate on said 'near misses'? While it is true those consciously on the path of seeking are often targets (Negative Greetings, Orion Entities etc), often your state of being alone will gravitate you towards these situations, and you will find within them learning experiences as a result. The 'fear' is indicative of Catalyst; there is nothing to actually fear in death, and so the emotional representation of imbalance has risen to the surface of your consciousness as a service to allow you to address. Only you dictate your contractual passing from this mode of existence, and 'you' on another timeline may very well have 'died' in said circumstances yet chose to come back. Of course, it could be also be a case of entity/thoughtform attachment.
In any case, worse comes to worse and you to 'die' (Read as 'Waking up') you will likely end up in a much better place than here.
Edit: Addition
In any case, worse comes to worse and you to 'die' (Read as 'Waking up') you will likely end up in a much better place than here.
Edit: Addition