[Finduilas]

Because if Denethor, the mad steward, had more courage that Frodo, one of the main heros, there would be major problems.

And Theoden may have been cowardized for Aragorns sake, who seemed afraid of becoming king. They may not have been as directly related to Frodo as Faramir, but it seemed to me as if almost everyone was more of a coward. There are of course exceptions, like Eomer and Eowyn.