I worked with a woman who was scared to death of coming off her 14.2hh horse. This was really inhibiting her enjoying riding, a sport she'd taken up at 40. The horse was a great little horse, no spook or buck. One day she finally fell off (balance issue), laid on her back looking up at the horse and could barely quit laughing. This was what she had been so afraid of. It knocked the wind out a little but she was definitely not hurt. In that moment she was over her fear.