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Many people get scared when in water over their depth (especially when they don't know how to swim) and often prior to any experience (i.e. before they've learnt how to swim) though I have to admit that babies do seem to be quite happy in water.
Getting stuck might include getting one's head stuck inbetween railings, or stuck in a cave (unable to move) or caught in quicksand. The notion of being unable to escape *something* can be kind of scary.
I'm not ready to believe that the three things mentioned are the only instinctive fears, (especially based on a special). It just seems a bit too arbitrary to me.
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