Sorry if this comes across as rude or unhelpful, but don't most people with psychosis generally have the least insight into their behaviour? At least in the early / beginning stages, because to them their condition to them is completely normal. Sort of like a bipolar person going through a manic phase won't think that their grandiose delusions of becoming President of the United States (for example) are in anyways improbable, because to them it's real, if that makes sense.
From what you've written it sounds more like some form of extreme anxiety. I get that too, I've went through phases where I was scared of answering the phone or the door because there may be bad news, or it may be someone wanting to rob the house or perhaps the police there to arrest me or something. As for your hygeine, in all honesty, that could mean anything. When I'm depressed I frequently neglect myself too - I go to bed late, get up late, don't shower as often, don't brush my teeth as often, don't change my clothes, etc. unless I have to.
But I'm not a doctor, obviously as you know, so it would be best to see your GP, as s/he can get you assessed properly and professionally and of course they can actually physically see you too, which if I'm not wrong, is what forms 50% of a mental health assessment anyway. Good luck. x
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