Shameful confession time...
I drive fast. I mean, really fast. I behave myself in residential areas, but on the highways or curvy back-country roads... Hoo-boy. I've learned two things, though:
1) Pay attention. You've got to be focused and as aware as possible of what's going on around you.
2) Always drive with the anticipation that the person you're coming up next to will do the absolute stupidest thing possible, or as if an animal could run out into the road at any time.
With that awareness and anticipation, you've got a level of preparedness. You can respond with control instead of react with panic. The same thing applies to pedaling on bike trails. You have to watch far ahead up the trail, and try to listen for what may be behind you. This does not guarantee omniscience, but again, being prepared for the unexpected gives you a comfort level that allows you to remain in control.
And, sometimes, you will crash. All of my recent accidents have been when I've been acting like a kid and having fun: I broke my wrist by falling off the jungle gym at the local playground a few years ago, and I recently fell backwards with my bike on top of me while trying to pedal up a steep, grassy hill. Felt like a total goober both times, but I survived! Surprisingly, though, it's been over 15 years since I've had a speed-related accident, either in the car or on the bike.
If you can develop the mindset I've described, hopefully you can open up to the fun of going fast. There is a definite adrenalin rush that can make you feel so alive, in spite of any tiny twinges of terror![]()