The best thing to do is stare it in the face and move on. We have to face our fears and plow through. I think taking chances takes a lot more courage than staying stagnant and doing what's safe and comfortable.
Riches and the things that are necessary in life are not evil in themselves. And all of us face cares and troubles in this life. The sin comes in the time and energy we spend in pursuing these things at the expense of neglecting Christ.
