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Miser i s a noun, and we can't use it as an adjective. The adjective is miserly: She was miserly.
Afraid isn't a verb but an adjective, and we generally use it with the verb to be.
Lose (with one o) is the common verb meaning not to be able to find. Loose (with double o) is an adjective meaning unfastened, free: The horse was loose in the field.
Fool is a noun, and requires the article when we use it with the verb to be. Foolish is an adjective, and can't be used with the article after the verb to be.
A fool or a foolish person doesn't mean an insane person, but one who acts thoughtlessly. We tend to use silly or stupid instead of foolish in modern usage.