When you sign up you agree to the fee being broken up in installments. I think they have spelled it out pretty clearly, actually one could consider it ‘free’ financing in a sense. While I don’t like what they have done I don’t see what the big deal is with it.
Determine the root of what gives you anx, is it the not working, not being able to provide, keeping the family afloat? Ways to manage it: Live below your means, diversity your family employment, meaning see if your spouse can be in a different industry that has a different risk profile and save for the rainy day. The feeling won’t ever go away but you can do your best to prep for worst.
Lastly, keep your eyes and ears open. If your company is struggling change jobs on your terms before you take the hit. Good luck.