I agree with Joe – that “rational” or wired in fear is there for a reason, to protect us. I would also call that a “simple fear” there’s no story attached to it, not fuel to perpetuate the illusion. I would call that a real, legitimate fear (for the most part).
But as we all know, most of our fears that stop us are more complex, in the sense they have a story attached to them that keeps them going. Social conditioning has a great deal to do with these fears. Many times most of the work to be done in overcoming fear is in the undoing of these stories and beliefs, rather than putting new ones in place.