A very popular curse. We're serious. Think back - how many times have you given up on the chance to change something in your life? How many times have you said to yourself, this isn't for me, this is too risky... familiar?
And this is the effect of the serpent of the tempter. It whispers into your soul. Stops you from acting decisively. Keeps you from new opportunities. Confuses your thoughts. Tempts you and feeds you with fear. Because it is so comfortable on your neck.
And until you can not throw it off your shoulders - you will be like an ice queen in his own empty castle on a perpetual throne called "caution".