Courage is needed in investing. If you read articles by老朽兄:

in the 1990s he sometimes even used credit card.  He used up all his bullets.  It took a lot of courage.  And 老朽兄 is very successful.  Someone may not feel the need for courage until he or she actually tries to do it.  My positive-carry math made sense.  The long-term plan should work out fine.  But to actually execute it, I was nervous when I did the clicks.  It was courage that helped me to execute it.  I had to remind myself to focus on the math and ignore my emotions.