Bhaya is fear. From that loss, over which you have grieved, you have fear: "Oh, is that going to happen to me again? Am I going to lose this also?" One learns to overcome those fears - fear of dying, fear of the loss of reputation, fear of the loss of a relationship, fear of the loss of a possession, and above all the fear of the loss of the present state of one's personality, fear of the loss of one's present psychological state, to which a large majority of people are very attached; and they think it is an act of great virtue to sit there and think: "Well, that's the way I am, and that's how you have to take me. I have no intention of making further progress. I have no intention of making further refinement. I have no intention of changing. Of all of these fears, that is the worst. It's because of that fear, that fear, that we fail to bring about the necessary changes in our psychological framework, in our psychological personality.