One of the polarity articles talked about darkworkers using fear as fuel for growth. Likewise I see fear a sign for an area of my life needing additional focus/development. In the past if I came across something that scared me or made me uncomfortable, I immediately set about conquering that issue. Needles made me light-headed for years, since a bad experience with them when I was a few years old. Finally a few months ago I decided it was uncharacteristic of me to be squeamish about anything, so I set about giving blood until it was no longer a problem. Last time rather than it leaving me feeling faint I bounded out with energy and rode off on my bicycle. An earlier trial was simply to ask people out, until eventually I became perfectly comfortable with initiating interactions with anyone that interested me (as a friend or otherwise).
I largely try to engineer my life so that there are fewer things I need fear happening, learning how to enjoyably bolster my health, sharpen my driving skills, self defense, and simply making a point of being aware of my surroundings. Were I to build a house I'd go for something like a monolithic dome, so I needn't worry about fire, hurricanes, earthquakes, or whatever else nature may come up with. For locks I'd use the thus far unpickable dual sided medeco deadbolt in doors with sufficiently sturdy frames that it'd be difficult to break one down without a battering ram. It needn't cost much more than a regular house to produce a cozy fortress, something that can be beautiful and welcoming to all who are invited (there'd most certainly be a nice garden and fruit trees). On the flip side one could choose to have nothing to protect, which can provide quite a bit of freedom. I simply do what I can to maximize the benefit: risk ratio (not being afraid of taking risks that may be worthwhile in some way).
In the event that something "bad" does happen in my life, I operate with the view (based on years of experience) that somehow things always turn out fine. Several months ago I realized upon arriving at class that I'd forgotten the key to lock up my bicycle. I could have gone back to my apartment, but then I'd be late for taking a quiz. I decided to simply leave the bike outside, letting go of the situation and accepting whatever may happen to it, and knowing that if it were stolen I'd simply build or buy another. Happily, the bike was still there waiting for me when I got out
I still use a U-lock when I can though.