FEAR over-saving? That sounds like a phrase assholes use to shame you for not spending an entire paycheck, FOMO BS.

FEAR over-saving? No such thing if you live in the US where live-saving medical care can bankrupt a person.

FEAR over-saving? We've had one suicide in my family and he killed himself because he was broke and lonely. Seems to me like a healthy bank account is life insurance.

Yes, it is possible to be so cheap as to harm oneself (avoiding medical care, eating only crap food or not enough food), but that's the inverse problem to over-saving -- that's under-spending.