I think you're simply experiencing a power differential. You are at the mercy of the institution, and you're scared that the email will mean bad consequences for you.

This was a common thing with snailmail back when it was the primary means of such communications. My sense is that it's because if an institution is contacting you in a way that isn't routine, the odds are pretty high that it isn't to give you good news.

I experienced the same.

For me, its about not engaging in unnecessary stress. It carries a sense that someone is controlling your life.

I have had a new rule for the last 10 years.

I only open official mail amd emails on Mondays. I never open any postal mail or emails on Fridays.

I have learned that these official Friday emails and postal mail are intentional sent to create stress.

Imagine if you open an important letter on Friday afternoon about an unpaid bill, you cannot speak to anyone about it, you get no reply from an email, the business only works 9-5 mon-fri, so you are left with an entire weekends worth of stress.

Take control. On Monday I have time to consider and think about my options. stress free

I am in my 50s and have learned that learning how to deal with unknowns is often more important than knowing.

For example, I do know what triggers some of the negative thoughts that come into my head which used to cause me stress. I now have my own way to respond to these thoughts and they do not cause me stress. Through time the response becomes automatic.

I recommend picking a healthy response and letting this be the solution.