Should I switch to PhD or graduate with a Master's?
You shouldn't stick around for a PhD because you're afraid to do something else. A PhD is something that you should do because you're motivated to use the skills you acquire in the PhD in your later career (either as a researcher, or in a research-oriented field).

If you're not excited about being a PhD student, then it's not worth it in the long run to be miserable for several years of your life to obtain the degree. Moreover, because the PhD can limit your ability to take certain jobs—because of the perception of overqualification—if you're not motivated, don't do it.

In other words: Choose to do something because you want to be there—not because you're afraid to be somewhere else!