The principle of being overly cautious was that no matter what problems one encountered in life, one had to work hard to figure out the truth of the matter through investigation and research to find the correct solution. At the same time, it was also a mockery of those who were paranoid and alarmed in the face of illusory phenomena.
Sure. Given the rather dark and controlling nature of Lucius in the series, it's not hard to imagine a fanfiction where Draco is scared of him. Fanfic writers often delve into the psychological aspects of characters. Maybe Draco is scared of Lucius' expectations, or the power he wields within the Death Eater ranks. This could make for a really interesting character study in a fanfiction.
Definitely. Fanfic writers often play around with different character dynamics. Sakura being scared of Sasuke can be a part of exploring their relationship in a non - canonical way. It could be due to Sasuke's cold and distant nature, especially after the Uchiha massacre. This fear could be the starting point for many different plotlines in fanfics, such as Sakura trying to understand Sasuke better to get over her fear or Sasuke realizing the impact of his actions on Sakura.
It could also be related to his jinchuriki status. The Nine - Tails' chakra within him might make him feel that being touched could lead to the unleashing of that power accidentally, and he's afraid of harming others or losing control. So, to avoid any such situations, he's scared of being touched.
Once upon a time, I was walking alone in an old, abandoned forest. The trees were gnarled and the wind made eerie whistling sounds. Suddenly, I heard a strange rustling in the bushes. My heart started pounding as I imagined all sorts of wild beasts. I froze in place, not daring to move. After what felt like an eternity, a small rabbit hopped out. I let out a huge sigh of relief, realizing that my fear had gotten the best of me.
One possible fanfiction could be that Bella is caught in a sudden and violent snow storm while on a hike in the mountains. She's scared as she realizes she's lost her way and her phone has no signal. The cold is seeping into her bones and she starts to hallucinate about strange creatures in the snow. But then she remembers some survival skills she learned before and starts to build a snow shelter to wait out the storm.