Public fears.
I prefer to stay indoors anyway unless there's a good reason to leave the house (Going out to eat, going shopping, a concert or event, going out with a family member or friend) but here are actual fears that keep me indoors, some of them small and unimportant in the grand scheme, some of them while unlikely, still rational, some of them rational and likely.
1.)Getting made fun of by co-workers. This happens everywhere I go. Because of my nerdy looks and having "different" body language, people are quick to stare and point and laugh at me like I'm a clown. (Rational and likely.)
2.)My inability to handle simple directions at work leading to getting criticized and ridiculed by bosses. (Rational and likely.)
3.)The idea of some freak accident or some psycho is going to try to kill me (Unlikely.) However, my brother works retail and a psychotic white gangster came in, asked the customer service where he can get change, somehow the customer service idiot didn't see him as a threat, he went up to my brother's register, pointed a gun at him under his shirt (whether he actually had a gun I don't know) and told him if he didn't give him all of the money he had in the register, he'd "blow his f*cking brains out." Luckily, my brother did the right thing, gave him the money quickly and waited until he was out of sight to tell his co-workers. Turns out, the guy had been doing the same thing in local towns and hiding in some hotel. He got caught thanks to my brother's description and is likely in jail.
But my point is, while this isn't a likely occurrence, I wouldn't want it to happen to me or a loved one.
4.)Stupid I know, but a fear that I'll just meet someone of the opposite sex at work that really isn't my type and settle for her because it's easy and convenient. It's possible, but stupid in the grand scheme of things, because you're just as likely to meet the woman of your dreams due to work. When I worked at a store when I was younger, I was very attracted to a girl my age (I was 19) but was too afraid to talk to her. The me of now, if that situation came up, would be able to talk. So while the idea that I could settle into something less than favorable, I could also very well meet someone I actually like.
I'm pretty much an 'indoors' person myself. I can definitely relate to your public fears. I live in a country with a very high crime rate, so being a victim of violent crime is fairly high. The main thing is, that people can relate to your fears. Most fears are always labeled as irrational. But it's very much rational to people who are influenced by them.
