Hi BetterJohn,
Welcome- You seem like a wise young man to see a problem. To answer your question I think that is the nature of the disease. We almost have to be forced into stopping. We could always go further down. You seem like you know you have a problem which usually means you do. You would be very fortunate to do something about it now. I have not lost anything except a little dignity when I would get too drunk. But I have listened to others who tell me they went back out and all the "yets" happen. Do you want to go to jail or worse and then say ok now I can quit. The disease progresses so eventually those "never happened to me things do happen".
Good luck and keep posting- you will get alot of support here.