Here you are, created by God to be absolutely immortal and innocent and invulnerable forever, and yet in spite of this, there's the ego saying "oh, that's not true, you're actually mortal and you need to be concerned that something's gone wrong".
Even though this is IMPOSSIBLE. Even though it can't be true.
So to the ego it's not really that it comes up with stuff because it has a basis in reality, but that it comes up with stuff to try to deliberately defy the truth and insist on its falseness. Even in the face of truth and obvious evidence the ego will refuse to believe it's true.
The ego just wants to believe stuff is happening that isn't happening, that things have gone wrong in ways that they haven't, that there are reasons to be afraid which are completely unfounded, etc. It's basically having a nightmare and trying to prove that it's real when it isn't.
It doesn't matter how many times you tell the ego that it is mistaken, it does not want to believe it.
It could actually be possible right now that you are absolutely 100% safe and everything is absolutely fine in every way. And yet at the same time, the ego will try to insist that there are all kinds of problems and issues and reasons to be afraid.
You could even be standing right in front of a brilliant white light which is showering you with unconditional love, and the ego would be saying "what light, there is no light, I don't deserve love". Even if it's right in front of its face!
The ego HAS to insist that its lies are the truth otherwise it could not exist. And the ego NEVER will have a different story. It will always be trying to insist things have gone wrong. It will always be trying to claim you should be afraid and guilty. Regardless. It isn't based on whether it's true or not, the ego has a one-track mind with a one-track story. It isn't objective, it doesn't make rational decisions, and it isn't in any way interested in ever turning around and telling you "you know what, I was mistaken, there actually is a God of love and you actually are unconditionally loved and perfectly innocent and safe and holy forever." It will NEVER say this.
So why listen to a totally biased, one-track pony, which pretends to be objective, and which pretends to have considered all the possibilities and come up with some 'rational' truth, when in fact it NEVER comes up with truth. It cannot. It cannot see the truth. It does not want to see the truth. It is an attack on truth. And it will ONLY tell you the same answer over and over and over again. It's "yes or no" switch has gotten stuck in the "no" position and it literally is incapable of telling you that God is real or that you are loved and safe or that nothing has gone wrong.
Why listen to a broken record? How many times will you listen to the same old same old same old story of disaster and tragedy, once you know that the storyteller (the ego) has nothing new to say? It is not on your side. It is not telling you objective, rational, truth-based conclusions. It can only lie and it can only make you afraid.
Turn to the Holy Spirit for the only source of real rational truth and real sanity and real objectivity. In His light you can see that, in fact, there is another answer and another way, a better way, because the Holy Spirit is OPEN MINDED enough to be able to DISCERN what is true and what is false. The ego cannot do this.