I wholeheartedly agree with windbtch here. many newcomers just need to learn that capsizing is not the end of the world. I learned this while breaking in numerous crew in collegiate dinghy sailing. It got to the point where if someone was fidgety or hesitant or otherwise uptight, I'd intentionally capsize the boat.

It gets a little dicey when you start doing this with "significant others", but I still swear by it. do a few shallow-water capsize and recovery drills as described above, and then head out on the water for some fun. if she still looks like she's waiting for the world to end, stuff a bow and go over. recover, catch your breath, laugh it off, and continue. if a couple of those don't cure her, sell the boat. she's just not going to come around and it's not worth the marital strain.

(I know, I know... we're all trying hard to "grow the sport", but the fact is that this particular breed of boat just isn't for everyone.)