Fear is Temporary. Regret is Forever.
I understand caution and holding on to the reins as tightly as you can. I understand a conservative approach to life and having all of your bills met. I understand not "acting" on something because it is beyond your current world-view and does not match with the current status quo. There is fear of loss (financially, time, credibility). There is a fear of self (can I do it?). There is fear of not knowing what to do. There is fear of others (said differently, can I trust the person or thing has my best interest in mind?) And actually, there is fear of success (for example, if money is not a concern, as a couple, then do we really don't need each other?). There are many more examples. Fear is the driver that prevents people from moving forward. (I am budgeted so tightly, I can not rob Peter to pay Paul to come up with the money to get started). This is many peoples' situation, and it keeps them stuck. Our role is to provide a saf...