No guts-no glory

Some people (who are those “some”?! I never get to meet them.) say that when you lose everything then the opportunities are limitless because there’s nothing anymore to hold you back. So I wonder what is it that I have that keeps me stuck. I guess it is the rather relative feeling of safety but even so it is there and the fear of losing it shatters in its origin even the thought of shaking the status quo even if the prize is worth it.