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I don't think there is a general answer to your question. It depends on the person who is speaking/writing. I personally would probably not use the word "Torschlusspanik" in the sentences you mention, but I can't remember ever using the word myself. I can imagine the word being used for any kind of hasty decision which somebody makes who is afraid of missing out. (Similar idea to the one expressed by Heather and Martin in their answers.)
aber soweit die Situation paßt, würde ich den Ausdruck durchaus verwenden. Daß meine Art zu denken in der brave new digital world fast durchweg auf Unverstand trifft, gibt mir bsiweilen ein Gefühl von Toschlußpanik.
So if TSP :) is nowadays used for any decision taken in haste (ref: efreitag), would, for example, a man say that he accepted a less-than-ideal job because of 'Torschlusspanik'? Would it apply to a hasty real estate purchase; accepting a bad mortage deal; agreeing to a poor sale where, in each case, the person was afraid they’d end up with nothing if they did not take what was offered? etc. Just interested to know.
I for one would go for "eleventh hour panic" or "last chance panic". Both, I think, would be neutral enough to describe someone about to push that button in a seemingly desperate situation. May it be hopeless but not serious.