I could never be terrified of T-Bag, for I have seen his inner cuddly bits, and he is AWESOME. Also, the Joker was creepy, but too glorious a creation to scare me like he should have. And I still don't know what he does on his days off.

I am obviously not scared by people or most monsters, but give me a FAST ANGRY ZOMBIE, a small enclosed space -- potholing with cave ins and monsters chasing you OMG -- or AUGH STATUES THAT ONLY MOVE WHEN YOU'RE NOT LOOKING AT THEM AUGH, and I'm reduced to hiding behind a cushion.