The reason we are scared to chase our dreams is because once we pursue them, they are no longer dreams. They are pulled into the realm of reality, which means they are subject to the possibility of failure and if they fail, they can no longer be that place of comfort we run to when shit in our "real life" doesn't go our way.
Simply said, we want a cushion. We want a fallback. We want a place where we can run to in our minds and say, "This is where I'm really happy. One day I'll be here." But the truth is, we don't want that day to come. We don't ever want to be "there". We are afraid of disenchantment. We are afraid of being left naked with no recourse, because if we ever do get "there", where will we run for refuge? Where else can we keep lying to ourselves that who we are, is not who we are?
I say fuck it. A life never realizing your dreams is not a life worth living. Welding together the two realms of consciousness is true enlightenment. It is worth the risk.