Besides spiders (shudder), the main thing I am afraid of is:
RBS
Random Bad Shit.
You know--RBS is the awful shit that happens to people. The kind of thing you hear in the news that you hope never happens to you. The kind of thing no preventative or preparation can avert. Like backing over your toddler in the driveway. Getting cancer of the pancreas. Having a tornado flatten your home. Getting in a freak accident which leaves you incapacitated.
And mostly, I'm afraid not for myself, but for my children.