Well i don't really fear much as i only fix and sort out PC problems for family and friends. Friends i do for free, but my grandparents pay me $30 for a job unless it takes longer than an hour then they pay me even more, how sweet is that and the fact that they're elderley means they screw something up atleast once every two weeks. I tell them not to pay me, but they don't listen. So it's a big win for me.
Although i do fear one thing and that is somehow damaging my grandparents HDD, as it's got tens of thousands of photo's on from all the holidays they've been on in the past few years, which they like to look at often - they wouldn't be happy if i ballsed that up for them.
Sounds like you ought to take that money they give you and buy them a backup drive.