9:1 dont justify a call on the flop here. We need like 10-1 to make the call. And if we discounts the T of hearts we need to have even higher than 10-1 to call. Im not sure how aggressive villain is but with implied odds it may work out. That's why I think it's a fold if hero is scared of the T of hearts here. Calling wont be good then since the odds dont justify that.