People have mentioned water as a fear in games, and they generally mean the 3D "fear of the unknown" style scares. The scariest moment of a game involving water for me is that bit in sonic the hedgehog where I am franticly jumping in purple murkiness. The music is getting extremely fast like a techno rendition of the Jaws music and my heart is beating at the same pace. Sweat rolls from my upper lip in an uncomfortable fashion. No time to wipe it away I'm busy tapping the "B" button. The fear is taken away, though when I actually die and it plays music that someone would shrug to after making a bad joke, but I still have to turn off my beloved megadrive and just sit for a while calming down.
In real life terms the scariest thing that's ever happened to me is I am sitting alone in my bed. It's a dark night and I can't sleep. I stair at the ceiling and from under my bed, (right under my bed) I hear a playful child's voice say "Hello" in the most eerie style I can imagine. I stay in my bed quivering not looking under my bed as I wouldn't make eye contact with a growling dog. Cold sweat and warm piss escape from my body as the voice returns with "Good job!". I stay awake till morning and jump out of bed thinking it'll cut my ankles like in hostel if I present them to it. You know how in "Evil Dead" Ash tried to release one of the infected who claimed she was better now, and you shouted "no you twat!" at the TV screen like your dad used to at "Who wants to be a millionaire?" contestants? I felt like Ash as I lifted up my duvet and poked my head below the bed. It turns out it was one of those game that talk to you as you play for pre-schoolers that had malfunctioned. (I bought it for my little cousin as a gift).
You had to be there I guess
Also, people treat humans and animals differently. For example people feel bad for shooting a person, but not force feeding an animal and harvesting its rich liver. For humanity to be a lower forms like this where a species feels no guilt for putting humans on a slaughter line or boiling them alive. I'm not a vegetarian or an animal rights activist, but to know what is going on is scary (,like in "The temple of doom" where the spikes from two walls were closing in slowly). Imagine living in a surreal version of the film "Chicken run". Horrible thought.