I don't have to. "I wish I weren't such a fraidy cat" is an expression she used just today. But for the life of me, I can't imagine telling her anything she doesn't already know, so I sort of skipped responding to that one remark and focused on a positive in another sentence"
See, I think she was inviting you to say something here.
And she might have interpreted you skipping over what she said, as ignoring or dismissing her concerns.
In the past when I've said something to my H, like what your W said to you, what I wished I would have heard would have been like...
'Yes, I'm sorry you're afraid of doing 'x' too. But I believe in you and know you can overcome it if you really want. And if you need my support in doing so, just let me know how I can help - I'll be there for you!'
I cannot complain for not receiving from others, that which I've never asked them for.