Regarding terrifying - I think I find your story so terrifying because my panic response is - for various reasons - to just shut down and become uncomfortably compliant.
I will basically do what someone tells me to, even if it's something I really don't want to do.
I think you understand why this can be problematic.
I try to avoid all and any situations where that could happen and I've been successful/ish so far.
I feel you on the "this is a crazy fucked up story" part. I've had many incidents where I'm like "I'll tell you a funny story" and listeners are like "That's fucked up".