I think this means that fear is our own creation---just as the world is. We create the situation, and the fear to go with it. It's just one of the things we do.
So, if the fear is making you feel bad and you don't want to feel that way, then go inside and find the love that's in you. The love helps you get in touch with your memories of Heaven, though on a subconscious level. And that will lift you out of the fear for awhile.
And then, keep in mind that life is a continual experience. That's what it really is. It isn't a school or learning game, as such. It's an experience. We created it, because we wanted that experience. If you understand that, then you enjoy it much more.
Kemp