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What disease (apart from Covid-19) are you scared of the most and why?
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H5N1 Influenza mutating to facilitate efficient person-to-person transmission.

COVID would be but a mild inconvenience in comparison to a truly pandemic bird flu.

SARS-COV-2 has a case fatality rate less than 2% (possibly up to 10 times less, depending on how many asymptomatic and unreported cases occurred.  The "real" CFR may be higher/lower in different ages, countries, health-care environments, etc.,  but averages across 100M+ reported cases to 2%,

See: https://covid19.who.int 

The H5N1 virus which causes "Bird Flu" has had limited transmission from birds to humans thus far, and person-to-person transmission is incredibly rare. However, in individuals who have been infected  the fatality rate has been on the order of 60%. 

Assume, as with SARS-COV-2, that only the most severe cases have been reported and the real fatality rate is  1/10th the published rate,  say 6%.  That is still on the order of 30  times the that of covid.  

Additionally, while covid was mild-to-asymptomatic in children and young adults, H5N1 show the highest mortality in that group.

See https://www.cdc.gov/flu/avianflu/h5n1-people.htm for more.

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