Two words: Bot Flies.
Any other bug I can handle. Hell, I used to have a pet tarantula and I loved that furry little bastard. But the idea of a critter that's babies live inside human flesh feeding upon it, sometimes burrowing deeper, feasting upon your brain scare the living bejeebus outta me. I'm constantly checking myself for the little bastards, as any bump on my skin could be the hidey-hole of one of these hell-spawn. What makes the fear irrational is that I live well out of the creatures livable habitat, hundreds of miles from the area they can inhabit.
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