Evolution. Just because you can beat them in a fight, doesn’t mean they can’t kill you. We’re afraid of animals that can kill us. You’re afraid of rats and roaches for the exact same reason you’re afraid of a grizzly bear.
Rats and roaches carry disease. Spiders and snakes are venomous. Mice and locusts eat all your food and/or spoil the local water by dying in it.
Consider two people: One of them avoids all these poisonous and/or disease-carrying animals, and kills them whenever they can. The other doesn’t care and lives among them. If person A has even *slightly* greater chance of being *slightly* healthier, over a million years this avoidance of those animals will be advantageous and will be selected for until it’s common in the population.
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