Those things got nothing to do with Dhamma. Clean mind obviously can create mundane proficiency in relation to everyday life but it is not a magic pill.
What you are experiencing is simple biological responses because you grow up safe society so your brain didn’t really develop to handle such things.
To stop fearing life you need to fast, eat well, train and put yourself into situations of risk and danger but if you are adult it can be very hard to do anything with it as most of the neurons are lost while growing up leaving only the necessary ones for further survival.
You need to start the whole process again to end up in the results you want to be which there are things to do and work on. Dhamma can be helpful as such but it’s not a cure for biological responses. Unless you are Arahant or Anagami (I guess)