I feel the same way u do. i just bought a fairly new Raptor 90 and it flew it for the 1st yesterday and i feel somewhat uncomfortable with the idea of crashing and having to dish a whole lot of money for repairs. I realize that this is part of the Hobby and we have to deal with it but once u crash it sure doesnt feel good.
Sometimes u have to force yourself to not be so concerned about it and if you ever did crash, find something else to do with your time to make you happy until your back up in the air. Even if that's months.

GND2's comment is probably the most realistic one

Believe me, im not so thrilled with this thought either but this is part of the hobby.