I think its ironic, but for me its easier to beat a mental fear rather than physical. For me, broken bones are much more intimidating. Which is also ironic since one of my favorite past times in Mtn bike which has always been known as a broken bone hobbie.
I think the best way to overcome your fears is to face them head on. Take it one small step at a time, but eventually small steps will become bigger steps. Some things you will always be scared of and you should except that. There is nothing wrong with it. Me, I am afraid of downhill skiing. I...