First thing comes to my mind reading the word Samsakara or more often called as Sanskar is all the good qualities (accordance with religion and culture) one possess. More like a kind of exposures in upbringing and culture —and accordingly, person’s attitude/personality is formed.
For instance, a person of my age can be termed as sanskari — who is well-cultured, well-mannered, earns money from rightful ways, respect elders, obey parents, doesn’t have any addictions, diligently practices religion, etc. Of course, the credit goes to the parents and people directly involved in building the sanskaras during upbringing. This is my loose interpretation depending on my limited knowledge — Of course, it must be having the more deeper philosophical meaning according to Hindu teachings. These interpretations generally get narrowed and tweaked over the years. I didn’t research more on this. Maybe I will do it now.
It is quite interesting, to know your interpretation to the story. I didn’t think this way while reading. Again, the first thing which comes to mind is — yes we are afraid to jump over. Always try to avoid and take the safe detour. But, as you said, some unhappy incident/experience — might be first-hand or what we have heard from people, makes us take that detour. But, we aren’t born to avoid them. I am unable to relate to the story, with my perceived meaning.
I don’t know if this is what you meant — my perceived meaning, you know :P.