"Why are you afraid of the work?" That's the question the MFCEO poses to people who aren't realizing their potential and pursuing the kind of life they really want. At first glance, Andy Frisella says, people might seem lazy. Sometimes they are.  But often, people aren't lazy. They are afraid. The prospect of working hard terrifies them because they don't understand the benefits. They don't believe that their hard work will ultimately payoff.