I'm not trying to be cruel here but I suggest you find some way to get over your anxiety first. Worrying about leaving your kids as orphans etc you are going to spend your life in a state of fear. Comparing flying with motorcycling or any other activity is skirting round the issue.There is a book "The Killing Zone" which describes what kills pilots & by far most things that kill pilots are the pilot, flying into bad weather when it could be avoided, over estimating his ability to perform manoeuvres, taking off with not enough fuel etc. These "accidents" all happen in the first few hundred (2--300) hours of a pilots flying career.
I personally am right in the middle of this killing zone with 200+ hours.
If you insist on removing all risk to your kids becoming orphaned your only choice is to join the local embroidery club or sit on a canal bank drowning worms!