I really think that a lack of adversity is a double edged sword. What doesn't kill you makes you stronger and if you don't get to experience your limits you can't tell what things might actually be a threat. And you won't learn the tools needed to face those situations. So you become afraid a of a lot of things that aren't within your immediate comfort zone.

Exercising the situations that we think might be a threat to us in a controlled way might be the best solution.