Fear of Heeling
I used to think it was a girl thing, but last summer I had a newbie couple on the boat in a strong breeze. The harder the wind gusted, the harder she pulled on the tiller until the boat was near broaching. Meanwhile, her husband was cowering inside the cabin in near terror. I think it''s a "mental conditioning thing." Heeling will scare you if you are not conditioned to cope with it.