As has been said (and will be said again, I'm sure), you're playing with less that one-quarter of the bankroll you need to play 1/2.

Right now your fear is completely justified - a normal downswing for a fully bankrolled 1/2 player would cripple you. This will lead to less than optimal play, and potentially even more losses.

Poker is not a make-money-fast proposition. Contrary to what someone may have told you, it's NOT pointless to play .5/1 or less. Stars has a great .25/.50, which in my "no roll" period I played like crazy.

You're obviously just starting out, so play to learn, not to make money. As you improve, you'll find yourself making enough money to move up without fear.