I’m currently trying to teach my 4 year old daughter to swim, so this is very front-of-mind for me. If it was up to her, she would just splash around in the shallowest part by the steps without trying anything she’s afraid of, and she would never learn to swim. It takes gentle but insistent pushing from me to keep making progress. It’s a fine line—when I do it well, she tries new things and has a great time too. If I overdo it, she shuts down and won’t try anything else.
The emotions that make her hesitant are totally valid and natural, and I try to empathize with her and talk about them, but I also can’t overly indulge those feelings, because she needs to learn to push past them in order to gain an essential life skill. It’s tough.