Bermuda Triangle
The Bermuda Triangle generates a specific, avoidable terror. Surveys indicate that approximately 15% of Americans express concern about travelling through the region, despite the statistical safety of doing so. This fear can be entirely mitigated by the simple expedient of not going there.
The Triangle's fear factor relies heavily on unfamiliarity. Pilots and sailors who regularly traverse the area report it to be thoroughly ordinary, even disappointingly so. One imagines them returning home, unpacking their bags, and sighing at the lack of supernatural interference.
Time
Time induces universal, inescapable existential dread. The fear of ageing affects approximately 87% of adults, according to various psychological studies. Unlike the Triangle, time cannot be avoided by staying home. It finds you in your bed, at your desk, in your happiest moments.
The phrase memento mori, 'remember you will die,' exists specifically because humans require reminding of time's ultimate victory. Time generates fear not through mystery but through certainty. We know exactly what it does. We simply cannot stop it from doing so.