Yeah, if we are honest, I think we all would have done things differently. I would have been more of a risk taker balanced with more wisdom. Fear restricts many of us. I would have lived in a larger city, been married with children and working either in counseling or having a real busines instead of being self employed entertainer. It is interesting what risks we foolishly take and which we pass on.
Yeah - it is easier in hindsight, but often, even at the time we know what we are doing - but as you say, fear restricts us. It isn't just stopping us from taking risks, it is also stopping us from making good decisions.