If you start out being afraid of if you will never get past the learning curve. Binding is not that hard to do. Get some good advise here on the board and watch some tutes on binding. You will be fine.
Also you don't have to bind a quilt. they can be pillowcased or a knife edge could be used or you can turn the backing to the front and stitch it down. There are many ways to finish a quilt. There are lots of tutorials to watch and books to learn from. Classes are also very useful.
try a small project just to learn. You will be surprised!
peace :D