You know, everyone has, but a lot of people are sort of scared to risk that.

每个人都是这样，大多数人都害怕承担风险。

要想成为事业家 - SpeakingMax英语口语达人

for when you want to express that you are scared of something or someone,

当你想表达你对某事或某人很恐惧的时候，你就可以使用这个句型。

I'm afraid of 课堂 - SpeakingMax英语口语达人