While adventuring, you sometimes find things that would otherwise never be seen. You've had a run-in with something intense, and as such, have a permanent fear of a creature, type of creature, or aspect. Because of this, you suffer permanent -3 penalty to attack roles, ability checks, and saving throws due to the horrid memories that are brung up while you are in line of sight of anything that triggers these memories.
FLAW. This feat is a flaw, and You may receive this flaw any number of times. When this flaw is passed down to you, your DM will converse with you about an upside as well. Some good examples include: choosing a non-combat feat to gain when you receive this one, gaining a permanent bonus to perception or investigation when searching for anything you're fearful of, granting you a permanent bonus to an ability score, or anything else in between those lines. For DM notes, gaining items is not a fair trade to the player, as this is considered a permanent character flaw, and will be marked down inside the actual character sheet that they have a fear of a specific event/creature/creature type.
Something to note; Speak with your DM when you receive this feat, as it could and should be catered to your campaign/current level. A level one character could be devastated by a -3, while a level twenty character may take harsher notes, like a -5, or higher, with your DM having the final say in the matter. On top of this, proximity, your health remaining, how your character acts and the current threat could play a role in how severe the penalty is. In encounters with these issues, it's best to ask the DM a variation of "how scared is my character currently" before assuming the total.
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