Yes, exactly that. The fear of death isn't really that strong, but I leave a little probability in the back of my head that something bad might come after death (not that I think that you can change the afterlife in this life, an even smaller prob is assigned to that). But I don't feel 100.0% certain that it's just done after u die, especially since a scenario such as hell wouldn't be worth risking even if just 0.00000000000000000000000000000000000000000000000000000000000001% probability, since the value is approaching negative infinity.
Now, my family is, like in your case, the ONLY thing that keeps me capping myself. If they all get killed? Money goes to homeless shelters and I kill myself faster than I click away an ad on youtube. Now, that's a LOW probability event (like 0.000001?). So I'll probably live out an entire life UNLESS I face torture, then I make an exception since physical pain, imo, can override other's emotional pain. But just my own emotional pain? Not enough for me to spin that shit up like Yoda in the senate and send it flying at my family who is actively doing everything they can to help me in every way.
How I stay alive? Basically by believing in the last paragraph. I used to think that my parents were responsible for spawning me into this shithole and that they deserve my suicide, my opinion has changed completely. I don't want them to suffer, no matter what they are responsible for or not, that extends to many others than my parents, as well. But it took a long while to get there, and I'm not close to done with developing that stuff. I did, however, want to wait for my little sister to grow up so that she could deal with my suicide in a better way than a child can. But I did think that none of my siblings deserved any suffering from a suicide of mine, but that they were collateral damage caused by my parents.
As to not killing myself day-to-day when unemployed, lonely, virgin, loser, many want you to die, lazy, anhedonia, no motivation, etc, I keep busy. Did meditation before, and that's great for many at many points in life, but good old fashioned distraction is my go-to now. Electronic entertainment, including the forum, is what I use.
Can't really find you in my mind, probably due to the lack of profile picture, so I don't have any info on you. Usually I have some sense of people on here, at least vaguely.