I'm absolutely terrified of losing my independence, like if I went and got meself crippled or something. I could see me wanting to top meself if that ever hapened. Shudder.
I can't say that I'm actually scared of death itself, in fact I think I'd be more frustrated if I knew I was going to die than scared - all the things I wanted to do, and all that. Something that occoured to me recently, though, is that at 21 years old I've probably lived a quarter of my life already. I'd never considered my own mortality before, and that did rattle me a little... but I'm not going to worry about since there's nothing anyone can do...
As for phobias, I run screaming like a little girl from the average spid (big ones have me literally rooted to the spot with fear while I yell for help), and big dogs - I got chased by a dog when I was knee high to a grasshopper, and though it's not so bad these days I'm still not confident around them. Which is why I keep cats. Go cats!
Actually, there's a spid up in the corner of the situation room. It's about 3/4 inch or so, and if it moves then I'm damn well going to paintball the little ****er.