Refusal of the Call and meeting with the mentor

Most Hero's refuse to go on there journeys because they are afraid of what might happen. This part of every story serves as a dramatic function to capture the audences attention. The Hero's refusal to call brings attention to the dangers and consequinces of the journey. The Hero usually does this by making up a list of bad excuses in why they should not go. In some cases it is good that a Hero refuses it's call. Refusing the call is ok when the call is from ecil or a summon to disaster. Not all Hero's refuse their call. Some acutally seek the adventure and in these cases they have their mentors or threshold guardians to warn them. Their guardians try to block the Hero from their journey by scarring them. This can often leave doudt in the Hero's mind making the journey more emotional suspenseful for the audience. When meeting with a mentor the Hero is usually left with some sort of gift. Some times the mentor archetyoe is not even there the Hero finds wisdom else where. Often mentors are folklore and myth like. Creating a very common archeype for the mentor as a fair god mother or bearded wizard. Some times a Mentor can become evil and actually betray the Hero.
I thought that the section on the Hero's refusal of the call was very intersting. In the Hobbit Bilbo at first is constantly refusing his call. It's not till Gandof sends 12 dwarf into his house and practically pushes him out the door with them that Bilbo actually starts to except it. I never would have thought that it would be ok for the Hero to refuse his call.
In other people's stories do they refuse their call or do they have a mentor warning them about there call? Does every story really need a mentor or could the Hero be a mentor himself? Have you every had a very unlikely mentor youself?