The terror of Din

The reason why we are so calm and collected on the Day of Judgement is because as opposed to regular court cases where the judgement is in the hands of a judge or jury on Rosh Hashana we are in our own hands. We are defendant but we are also prosecutor and essentially we are judge and jury as well. It's entirely in our hands.
So why is it do terrifying?
That's precisely what makes it so terrifying.
Change is such a small thing but you have to REALLY want it.

The fact that we might miss out on this little thing called change and the underlying premise that we don't really want it enough.....that's the terror of these days.