I'll go first (duh)
One time, I was sitting on the toilet doing the doo doo and a spider came from the ceiling right in front of me, I wasn't even done and I didn't have anything to kill it with so I grabbed a stepping stool and smashed it into the ground and killed it.
Now it's your turn.
Edit: Baby Spiders hatched Inside my ceiling fan and invaded my room, needless to say I slept on the couch that day.
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It wasnt me but my nephew and i are terrified of bees and wasps. One day when we are walking out of school, a butterfly flew by him and he thought i was a wasp so he fell on the ground and started crying.