its not you carol,its a girl thing
(i hope thats not sexist)
my girlfriend was petrified of heeling at first,& when she started to steer,she was constantly pinching(sailing too close to the wind)the sails.so the boat would not heal.
this fear is quickly overcome by doing some sailing on a large yacht,in good steady wind,there will be no chance of a knockdown,compared to dinghys.
all yachts are designed to heal.
most yachts are tippy at first when they start to heal,which can be unsetteling,but once they reach a certain degree of heal,they become very solid & it will be very difficult to heal it further.
male friends can tell you all sorts of things,but nothing builds confidence faster when you start sailing,then doing a sailing course,through a good sailing school.