CRAZYBROADSWORD (great name!)
As I've said before. On a private flight, anyone in addition to the pilot is a volunteer! On a Public Transport flight we tend to call them Fare Paying Passengers.
If it's 'fear' that dissuades me from flying in a Cessna150 at night in IMC with a PPL at the controls, then yep..... I'm as yeller as a tree full of ripe bananas!
Oh, and I'm less than one handful of years away from drawing my hard earned pension after an entire lifetime of being nothing other than a professional pilot! Might there be a connection??
You may very well think so. I couldn't possibly comment!