so, i don't claim to understand much in the way of philosophy, but the uncaring nature of the universe is pretty scary to me. you're right in that the universe itself doesn't have volition but that's exactly the point. the universe is uncaring because it's incapable of it, and that's what's frightening. i also have a phobia of being caught in heavy machinery, which i would similarly describe as 'uncaring'. it'll rip your arms off or whatever because it doesn't care nor know that a human is trapped inside.