Blondie shows in this article:
*** w06 7/1 p. 29 par. 15 Youths, Make It Your Choice to Serve Jehovah ***
Could it be that you hesitate to take this important step for fear of being held accountable should you fall into wrong conduct? If so, think of this: Would you refuse to apply for a driver’s license simply because you were afraid that some day you might have an accident? Of course not! Neither should you hesitate to get baptized if you qualify. Indeed, you will be strongly motivated to do your utmost to resist wrongdoing if you have dedicated your life to Jehovah and have agreed to do his will. (Philippians 4:13) Young ones, please do not imagine that by postponing baptism, you avoid accountability. When you have reached the age of responsibility, you are answerable to Jehovah for the way you act whether you are baptized or not.—Romans 14:11, 12.
Notice how they use fear in this article with the words like : wrongdoing and accountability. You will have to answer to Jehovah sooner or later.