Coming face to face with a fierce, grieving wild animal is a terrifying prospect, yet there is a human encounter that poses a far greater and more complex threat. Imagine crossing paths with a bear that has lost its cubs, an animal overflowing with bitterness and aggression [מצודת ציון, מצודת דוד]. The primary approach among commentators is that it is actually preferable to endure a dangerous confrontation with such an enraged beast than to interact with a fool fully consumed by his own foolishness, as the fool will easily corrupt a person [רלב״ג].
The root of this difference lies in the very nature of the harm they cause. A bear poses a physical threat. It attacks the body, tearing open a person to spill their blood. A fool, however, is a danger to the soul. He tears open a person's heart not to take life, but to fill it with foolishness, doubt, and the temptation to stray from the path of God and His Torah [רש״י, מצודת דוד, מלבי״ם].
Furthermore, the way a fool operates makes him much more destructive. Wild animals, despite their cruelty, act out of raw pain. If a person treats them kindly, they might even choose not to attack [אלשיך]. Beasts also lack human sophistication. A fool, on the other hand, actively harnesses the intellect and cunning he was given specifically to cause harm to others [עמנואל הרומי]. Even in cases where the fool does not necessarily have evil intentions, his reckless behavior can easily drag a person into deep, inescapable trouble [ביאור שטיינזלץ].
Finally, there is a fundamental difference in the chance of escape. A wild bear can sometimes be fought off, or it may simply lose interest and leave its victim alone. A fool, conversely, can never be defeated in his foolishness, and he will never let go of his irrational ways under any circumstances [מלבי״ם].