When I was a little kid, I loved to swim. Before I swam competitively though, there was a certain amount of fear mixed in. My parents did a good job of teaching me to have a healthy fear and respect water. I had a near drowning experience that made me realize the fine line between fun and danger (just so you know, it is never a good idea to fall asleep while hanging on the pool wall during your swim lessons as a 4 year old).
Some fear is healthy. Living in fear is not nor is the absence of fear.