In some particular cases - yes, you are afraid of going too high because the fall would be most painful. But still there may be, for example, some (latent or not) religious fears of too much wealth.
That sounds like Freud, who is pretty much discredited on everything. There's really no evidence for "latent" or "subconscious" processes that are analogous to conscious processes, such as fear. Fear is always pretty damn conscious.
