Hi Joan King looks like this is a major problem for so many folk.
What can babies teach us about falling asleep? Which we have forgotten all about in our maturer years, or should I say, so long as our body is rested, relaxed, but our minds are so clouded with all that is going on inside our personal lives no wonder we can't (mentally) relax & switch our thoughts off to allow sleep to overcome us!
Currently I am working on a new book concerning this issue & ways to resolve such situations that all problem sleepers could learn from.
Good luck & don't stress to much about your situation, hope you find some good answers here.