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The owner scenario: Let's take the case of a small, profitable company who wants to grow. This owner is savvier than the first example, but something is still holding him back. He knows what to do; it just doesn't get done. It's not laziness; it is more like a fear. Fear of success? Fear of failure? I don't know which, but it is fear just the same. Perhaps it is fear of being responsible for generating enough work for his employees. What if work slows down? I would guess that each owner has his own fears that he has to identify and overcome, yet it still boils down to some fear he has. One of the more popular rules of thumb in contracting is, "If it ain't broke, don't fix it!" We hate to tamper with things that are still working, yet we love to tweak things at the same time. We love to open things up and look inside and see how they work. We poke and prod; we isolate damaged components and replace them. Why don't more contractors do that when they look at their business structure?
A business is not some static thing that is built to be placed on a shelf and admired. It is an entity that continually changes shape and demands periodic tune-ups, fixes and replacements. A business needs oversight and maintenance systems. It needs to be nourished regularly. It must serve the intent it was designed for and be the vehicle to our success. It must grow on a regular basis. Cast your fears aside and go for it. We must make prudent, well informed decisions based on experience and research. We must not imprison ourselves in the mental cages we create. 
Use fear as an indicator. When a particular activity "scares" you, feel a nervous anticipation. Realize that this is new ground and those are the challenges to be relished the most. Get these images in my mind:
President Roosevelt said it best, "We have nothing to fear but fear itself."
 Peter Morici "Plumbers Protect The Health Of The World." 
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