Dreams. Why do they disturb me?

I guess I'm one of those people who feels that we are morally responsible for everything our minds do, whether those actions are conscious or unconscious. After all, it's all the same person, right? And so if in my dreams I witness someone (me? someone else? I can't always tell in dreams) being late for work, or kissing someone, or talking about their significant others, or just being where they shouldn't be, I wake up feeling tense and confused. I lucid dream just often enough to feel especially weird about dreams where lucid dreaming doesn't seem to be an option.

I find that these are often the "I already woke up once an hour ago and went back to sleep" dreams that I get just before waking, and that these dreams are full of more real-world imagery, but also harder to interpret. Not "interpret" in like, a psychology sense, but just an everyday sense. When I get a whole series of dreams about showing up late to exams right after I sign up for class, well, that's not a hard set of dreams to interpret at all, is it?