The most terrifying thing I can think of is being alone - and I mean utterly alone like no one else in the world alone - at night. That's the nucleus of the first story in my collection and it's also where the title came from for the book.
All the commandments: You shall not commit adultery you shall not kill you shall not steal you shall not covet and so on are summed up in this single command: You must love your neighbor as yourself.