What is a completely irrational fear you have that you plan for?
I'm not talking about things that are very unlikely but could happen, like being shot, getting in a car accident, struck by lightning. Or completely unknowable things like getting abducted by Aliens, possessed by spirits, or waking up in a Saw like situation.
For example, here's mine.
The original CSI TV show had an episode where a guy was caught in concrete trying to hide his wife's body. It comes out that he accidentally killed her after dropping a glass bowl of Jell-O in the kitchen. They were picking up the glass together, he grabbed a large shard, slipped, and stabbed her in the heart.
Because of this episode we have a rule that, if something dangerous (like glass) breaks only one of us cleans it up while the other supervises from the other room (line of sight but no physical presence). I also stopped making Jell-O for about a decade after that episode.