I was deathly afraid of ghosts. In my mother's culture, ghosts exist. They live in trees and rocks and other natural things, and in abandoned buildings and active schools. My mother told me that ghosts that live in buildings and schools are the spirits of people who died before they could fulfill their destiny, and so they try to use the living, against their will, to fulfill their destiny (or do a task). She explained that this is very bad because it prevents the host person from completing his or her own task or fulfilling their own destiny. I guess they hang around school because children are naive enough to let ghosts get near them.
The ghosts who dwell in nature can be either evil or helpful, but you never know which kind they are until you ask for help. Therefore, I was also scared to death of forests and lakes until I started following my brother around. He hiked all over the hills, through the forests, and around these ponds that were a couple of miles from the house. Actually, I was still scared, but as long as I was with my brother, I felt relatively safe (meaning, if I ran fast enough, the ghosts would get him while I escaped).
I lost my fear completely when I was 11, and read a book about cultural superstitions.