When he is in danger, all that he needs to do is use his powerful armor, and save the day. Stark analyzes many technological problems, all of which he understands. One who is so clever will use the latest technology to make a new suit of armor.
The Iron Man suit is so amazing; it gives Tony super strength as well as the ability to fly. Particularly helpful is the super smart artificial intelligence "Jarvis" that helps him.
Although Tony is an insecure person, he still protects people. A strong man stands up for himself; a stronger man stands up for others. So he actually is a very brave man.
So he actually is a very brave man.