Hello Juniorcat and welcome to BL. This is a nice topic to get into, as i feel it has a lot to teach us all. I know where you are coming from, I too feel fearful a lot of times and It too wasnt until I started meditating that this fear showed its ugly head. I have been reading a few books in the matter, such as Oshos " the joy of living dangerously" and Paramahansa Yogananda's "Living fearlessly" i would highly recommend them both to you, as they are phenomenal reads and should provide great insights into why we experience fear and other things of the matter.
From my understanding, we have nothing to fear, but fear itself. Usually, we experience fear and then we go the opposite direction. But as we go the opposite direction, we do not rid ourselves of fear, what we do is we add on to the cowardice that is already taking play, thus the problem never gets solved. What we must to do get rid of this fear of ours, is to take it head on. That is the only, that is the only way, that is the only way! How do we take our fears head on you might ask? Well, we take on our fears with the divine swords of non-attachment, forgiveness, and courage. Let these be your objects of meditation and let them rid you of your miseries. Why is non attachment a prerequisite for defeating our fears? It is because we fear losing our attachments, that is our ultimate fears. We have gone so far in this life, we have acquired many things that make us happy and we do not want to give them up, this creates a lot of fear and uneasiness in our minds and doesnt give us any room to grow. We must realize that someday, maybe today or tomorrow or 30 years down the line, we will ultimately meet our demise and everything that we have been living with and for will come to an end. When you realize that all of your riches, your family and friends, even your own body is impermanent due to the fact of our deaths to come, we then realize that since we are alive right now, and since death is around the corner, why should we spend the rest of our lives in fear of something inevitable? We may try to cling on to stuff with all of our lives and everything in us, but in the end, death comes and takes it all away. So why live in fear of losing that of which you cannot permanently own anyway?
The second weapon of divinity I suggest for you is the machete of forgiveness. Forgiveness is very important, for it is our ultimate salvation from our own selves, god, our family and friends. Perhaps you are fearful of looking at something that someone has done to you, or you have done to them. This may have happened years ago, but still you have not yet come to terms with the problem or dilemma, and so you are still carrying this burden today. Through your meditation you notice this problem inside of you, but you are still scared to handle it or take care of it. This is why i suggest forgiveness. Forgive yourself, forgive your friend and forgive whoever caused you problems. Realize that it is not worth the effort of carrying around the burden and being afraid to handle the burden. JUst let it go. Forgive and move on. Apologize with sincerity and love, from the bottom of your heart. Let this new day of life wash away your pains and sorrows of yesterday with the beautiful liquid light of forgiveness. Let it flood over your every spectrum of existence. The third Divine enemy of the weak is courage. When you are afraid, meditate on what it means to be courageous. To be a hero, to stand up and handle yours. To put a cause greater than yourself before yourself and to then pursue that cause with conscious effort and will power. If you are weak, meditate on strength, if you are tired, meditate on vitality, if you are afraid, meditate on courage. Through meditating on the opposite affect, we can come to realize it, and through this realization, the lesser of the values will be dropped by itself.
I hope this is the advice that you are looking for and that I have answered all of your questions and lead you into the right direction. if there is any more cause for concern or questions, please let me know.-peace love and light