Ain't nothing gets you to the point faster than imagining that you'll have to draw the same two talking heads sixteen times.
The other thing: pace yourself. Creating something elaborate is a little bit like gardening. Just get out there and water every day. And when stuff starts growing, just go with it. Pull weeds (or don't, if they're pretty). There'll be fruit and flowers eventually. But not if you stop watering.
I'm so terrified these days. Terrified that I'll suck. Terrified that I'm wasting my time. Terrified that my depths will be plumbed, and they won't be all that depthy. Terrified that this is the weightless moment at the top of my life's rollercoaster. Terrified that everybody else won and I lost. Terrified that my money is disappearing. Terrified that if I have to go back to making games, I won't remember how. Terrified that I'm becoming a horrible bore to my wife. Terrified that I lack the empathy to write varied, lifelike characters. Terrified that I'm just a lazy ass.
Isn't this just like an old person, to be terrified of a fun thing you're learning? I don't remember ever being terrified of drawing -- but that was because while I was learning, I had no idea I was cultivating a marketable skill.
Get out there and water every day.