Phantasmal Killer, what are you afraid of?

[Witty Username]

Considering I'd have to fail 2 saves before anything would happen, I'd say not this spell.

Well the incident that brought this on I have a +1 wisdom save (bards man) and it was a DC 22 I think.
Also, it was a monster replicating the spell effect so it didn't require concentration.

Either way, we had to think of stuff on the fly for effects that don't normally come up.