Do women need a phobia?

Laying in your bed comfortable while watching a movie. All of a sudden there is a giant fat black spider crawling on your sheet, the biggest spider you have ever seen! Sounds like a worst case scenario! And it happened to me.
As a person who is not scared of insects or even savage monkeys and monitor lizards... for some reason it made me go mad! Did arachnophobia suddenly occur in my life or should women be scared of either mice or spiders? May be it is some stupid natural anxiety we need in order to make men feel good for "rescuing" us.
Unfortunately there was no man around and even the most courageous housemate was petrified by the unbelievable size of the spider. But we baned the thought of just smashing it and washing my blanked. We bravely caught it in a glass and I carried it all the way across the street - may be it gets hit by a car...
But we can get along without male protection very well. We just have to try or in first place ban stupid anxieties!