Fear is interest paid on a debt you may not owe.
"Well, Hoss, you knew better than to cheat on that test."
"But Adam, it was just a quick glance. I didn't know the teacher was watching. I'm scared. Pa is gonna kill me!"
"Fear is interest paid on a debt you may not owe."
"Huh?"
"Don't fear Pa without first facing him. He's always fair with us. Once you explain, hopefully he'll go easy on you."
"Doubt it."
As the ranch came into view, the butterflies in Hoss' stomach quickened.
"Come, brother. Best to tell Pa everything." Adam threw his arm around Hoss as they both walked into the house.