Yes, that is so very true. There will always be people who speak the voice of fear to you, and many of them really mean well and are speaking that way because they care about you. It's because they were raised with fear as well and it's what they know. They were told that if they take too many chances or step out of line they will lose everything and be a miserable failure. So they stopped taking risks. Now they are passing on the same advice. And you have to have a lot of strength to go with your own voice, especially at a young age and when there is already a bit of natural fear in you (normal to have fear when you are taking a risk.) The difference is that you don't need to give energy to that fear and build it up to the point where it now stops you from moving forward.
I had something similar, though it was actually the opposite - I had a chance to do my doctorate at Oxford University in exactly what I loved, but it was extremely unlikely I would get a job in it. However, it would have meant taking my skill, interest and education to the absolute highest level that I could, something that would have given me massive fulfillment. I would have had to take a chance on getting more scholarships to pay for two of the three years that I didn't have covered. I had a scholarship that could be extended for one more year. I could have asked my father if I could borrow from him if I had run out of money. But I talked with him at length and he convinced me that it made more sense and was more practical for me to go back to the States and get a degree from an American university. It's a long story, but it was the worst decision of my life. I went with fear. I didn't take the chance to reach the highest peak I wanted to climb. I let fear make me give up what I loved more than anything.
Indeed, fear when slowly creeps in, is the worst that can happen to anyone, because it is disguised as wisdom.