I agree very much with what you say, and I have little to add. I believe that fear can be a great help when it does not immobilize us, and facing our fears helps us to become stronger and to achieve our goals. But not all fears are conscious, and I would like to say something about that.

To feel fear is not so simple, to feel it, for it to happen, you have to expose yourself to the stimulus or situation that triggers that fear. And we humans have hundreds of tricks to avoid what provokes us fear. There is always an excuse not to face situations that create discomfort, and we can always find an excuse to sabotage our life without feeling bad.

We are a very skilled species at finding pretexts and justifications.