庸ㄩㄥyōng人ㄖㄣˊrén自ㄗˋzì擾ㄖㄠˇrǎo

語本《舊唐書·卷八八·陸元方傳》：「天下本自無事，祗是庸人擾之，始為繁耳。」指庸碌的人無端自尋煩惱、自找麻煩。《兒女英雄傳·第二二回》：「據我看起來，那庸人自擾，倒也自擾的有限。」反智者不惑

英lit. silly people get their panties in a bunch (idiom), fig. to get upset over nothing, to make problems for oneself