He overcame this fear enough to give away billions (more by far than even Andrew Carnegie) and created the University of Chicago, Rockefeller University, and his own foundation.
He never gave away money or founded any institutions. 
mnli hypothesis: He never gave away money or founded any institutions.  premise: He overcame this fear enough to give away billions (more by far than even Andrew Carnegie) and created the University of Chicago, Rockefeller University, and his own foundation.