All humans have some kind of fear due to upbringing, environment, beliefs, etc... What is "cautious preparation" for one is "irrational fear" to another.

Then we criticize each other for "negligence" or "over-reaction."

We all have to mitigate our individual fears.
Some wear masks, some wear guns. Some buy insurance, some buy gold. Some "take a stand" on social media, some prefer to switch platforms.

I grew up with a fear of having children. So I mitigated that fear at age 20. Irrational or smart?

What's the difference? Fear is fear.

Someone has counted 365 "do not fear(s)" in the Bible. How does that play out in our daily lives?