It can definitely be hard to move past some of those things that are inherent in us from the days when we were just trying to survive. Those were pretty rational fears back then of course. What a great conversation to have and what a intuitive and mature response from your daughter!
In some ways, I guess our fears are rational, in the sense that they protect us socially. For instance, you have said that you aren't overly social, but is it out of a hidden fear of some kind of judgement? In Finland, people don't commit to much publicly, even though they have strong feelings, because they don't want to be seen as living too far outside the group.
That could be I guess. I have never been very confident.