Are you so uncertain of the strength of your will, that only the fear of retribution guarantees your not behaving like an animal?
I'm supremely confident in my strength of will.
You seem to be a person of integrity, why not trust your inherent altruism?
I don't really believe in the existence of 'inherent altruism', just a sense of mutual self-interest.
Living in fear seems to me much more limiting than living lovingly with common sense. Sure, driving and flying in airplanes are dangerous, but if I did not drive or fly I would never have seen the world, better educated myself, or met my husband. If my terror of malaria and cholera were greater than my love of history, I would never have experienced bits of ancient civilazations or directly experienced that I am one lucky f**ker and that my world and thought processes are not at all indicative of others' realities.
There is a big difference between acknowledging and embracing one's fear when it's useful to do so and living in fear or ignoring common sense.
If I let my fear rule me, I'd also not be where I am today. I've put my life on the line more than once in pursuit of my various goals (which often involved increasing my future comfort and security...taking a little more risk now to face much less later) and will likely be forced to do so again. And I am content with such struggles, even if I'd like to minimize them.
However, if I'd ignored my fear, I'd be dead a dozen times over, and so would many others...both those I'd have failed to protect, and those I'd have immediately retaliated against when retreat, submission, or delay was the wiser choice.
We may not have material control of our lives, but we sure as heck have some control over our interpretation of it.
I strive for both.
Fear is something to be ignored, an obsolete evolutionary inheritance. Replace it with love and reason, please.
To categorically ignore fear is to abdicate reason, and you can't love if you're dead.
Fear is not synonymous with phobia. Much fear is highly rational, or gives one a head start on rational actions when reason is still processing what's happened. It's up to reason to discard the irrational parts and will to overcome both irrational and rational fear when it doesn't serve one's goals.
Ultimately, I keep my fear around because it's a useful tool. I'd not discard it any sooner than I'd discard any other autonomic reflex. I like being able to breathe without needing to be conscious of it, even if I retain enough control to hold my breath, should it suit me.