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.
We are all victims because of the circumstances, but I'm not sure what to say to any one who has lost a loved one. I know the feeling myself, and words just don't do much to ease the pain.