"Your child's multimillion dollar hospital bill for livesaving procedures isn't covered and you must pay"
"Police arrested you and provided no evidence, we're going to imprison you without due process"
"Neighbour broke into your house while you were grocery shopping, changed the locks and now claims to own the property"
This one isn't really that terrifying for a few reasons.
The bill is usually not available until the procedure is done, so your kid is ok.
Either you can pay a $X million bill and it's not a huge deal, or much more likely, there's no way you can pay it, so it's more of a joke than a bill.
Much more terrifying would be, we can fix your kid, but you'll need to pay $50,000 before we start. There's a lot of people who can come up with $50k, but it will be a major hardship, and it'll be really tough to get it quickly.
However, I have also had people from the government show up at my door, unannounced, and these were indeed some of the most terrifying experiences of my life.
Talk to other victims of state violence under communism, fascism, imperialism or even modern western democracies and it's quite obvious that this fear is justified.
One way to frame it: "government showing up at your door" has murdered millions (billions?) of people. This is a historical fact. Not opinion. Not anecdote.
"Government showing up at your door" has killed at least millions of people. When it shows up at your door, you should be afraid because of this historical fact.
Are you denying governments have killed millions of people?
> Another way to frame it is that "government showing up at your door" very frequently doesn't end up with billions dead.
It will very frequently turn out to be very bad news for you and/or your family if the government shows up at your door, especially if unannounced, especially if they need to tell you they're here to help. A firefighter will never have to explain to you "I'm here to help"