It may help to consider the opposite of fear, which is courage or daring, or even foolishness. You can be described as courageous by staying at home, sure, but

It may help to consider the opposite of fear, which is courage or daring, or even foolishness. You can be described as courageous by staying at home, sure, but you also might be fearful. Are there more dangers at home? Is the risk & reward both higher and the ratio higher? I think those are the questions that ultimately determine the answer. Given that there may be a huge negative to taking action however instead of inaction seems to suggest that it is fear by that criteria.