"Fear" of spending? After you've got a decent place to live and some healthy food--OK, a trip each year, and a couple bottles of wine maybe-- almost all of the other stuff you can spend on is silly, crappy, harmful or all three. I know people find ways to impoverish themselves with cars and granite countertops or whatever, but not doing this is hardly a sign of some problematic "fear." It's just realizing that happiness lies elsewhere.