I think fear is a good thing. Fear of failing to open a parachute reminds you to pull. We need the bold to go forward and take chances, but the adrenaline will help make success. Most successful people learn to control fear, it is ok to have it, but know how to control that fear and learn to excel. I am scared of heights, I have been, when I first started in the Marine Corps. BUT, you learn to control your fear and not fear control you. So, I disagree that the reason to have this free unfunded money, is to cut the fear of people smart enough to start businesses. Also, do you want to go parachuting with me this weekend?