Licence to Learn.
Nervousness ahead of flying is a valuable skill. It makes you think. A pilot that doesn't think has a short life span. That's what they try to teach us. Avoiding the "Get-home-itis."
I admit that I spend many years just getting enough 5hrs/13months to make me unsafe. Then I'd get a dose of money and have a nice summer. One year I made a trip to pick up some family and take them for a jolly, then fly home. That last trip was dreadful. Scud running, descending cloud, rising ground, pissing rain dripping down my back. VFR visibility? Yeah, right. I needed to land.
As a conscientious pilot with a family I sacked myself and ended up not flying for 7 years.
Now, I am back in the air. I feel happier. Currency is key. I like the new rules.