Commentaries:
What John writes here, in simple terms, is probably the major reason—other than the fact that mankind is cut off from God—why we do not love more and better. We are afraid. We fear it will cost us something, that we are going to get hurt, lose something, be humbled, look bad, be rejected, put down, or that our neighbors will not accept us. As John writes, "Fear involves torment."
John W. Ritenbaugh
Love's Emotional Dimension