My late brother-in-law was like that for years because he was in a bad car accident when he was in middle school... so finally when he was 22 he got his license and a beater car, and I think the beater car was his therapy, because when you have a beater car you just don't give a fuck, which in turn made him more comfortable about driving. That said, beater car became a Mustang V6, then Mustang GT, then Mustang Mach 1.... as well as a CBR 600RR.
Maybe you need a $700 Chrysler LHS.