Could be!
It's harder to succeed from a state of fear than from a state of fun or enthusiasm or love.
Do you know about EFT. Marvelous technique to deal with fears or the NLP "fast phobia cure" is easy and well, fast. You can find more about EFT at www.emofree.com where you can download a manual for free in FREE STUFF.
Also, I would suggest again that you focus on what you love to do, what you do so easily, it doesn't even require effort on your part. For me it's public speaking.
So, instead of focusing on your fears, create multiple imagined futures where you do something you love to make money. Than step inside each one of them and feel which one feels the best. Then take small steps towards that direction and if you perceive progress, then just amplify what you are doing (meaning, do more of it) and you will get more results.
It's easier for me to teach that in person, but that'll do it for now!
If you have any questions, feel free!
Alex