I don't find that I'm scared of the cutting itself, but rather the possibility of having to go to the GP or urgent care because the high is really good and I end up going a little silly with the cutting sometimes. Then they'll just hold me on a psych detainment, which I will sit in the hospital for 10 hours detained, before being sent home, because I wasn't actively suicidal and no one actually cares. And that's a whole ordeal of feeling completely unsafe and being 1000% hypervigilant and overstimulated while in the emergency department.
Or if it isn't bad enough for stitches I need to spend ~$30 USD on dressings, saline etc. I normally just shoplift small dressings and wound closure strips, but the bigger, good waterproof dressings that actually stick are a little harder to take clandestinely. The possibility of having to spend money on my own selfishness, when I share money with my partner, usually guilts me out of cutting too often or too badly.