You get afraid when you try to WILD? I do too... It's overwhelming. The only times it has worked was when I reminded myself that everything would be ok. Usually, the fear wakes me up.

As for what the treasure is? When I first started actively dreaming, the goal was to converse with my subconscious. Literally. I wanted to have a conversation w a DC representing my unconscious. But now I don't care so much, and its more about the experiences I've had and will have. There isn't really an end goal.