Our adversary the Devil prowls around like a roaring lion looking to devour people (1 Peter 5:8) who answer the question this way. How so? Because he is halfway from getting you to curse God.
The picture above was taken of me and Katrina in 8th grade. We had been voted "Cutest" for the yearbook superlatives - lay off the helmet-hair jokes - and sat beside each other to take the photo. We knew of each other, but did not know each other. I thought she was cute - I mean, duh, she won the vote - and felt I had no business sitting beside her for this reason.
Everyone has fears. I'm not talking about encounters with undesirable creatures (spiders, snakes, etc.), but experiences with undesirable realities. It could be losing our job, our spouse filing for divorce, getting cancer, or a child dying. We all have worse case scenarios in our mind that we pray never makes it into our lives.