CakeGirl – To understand dreams such as yours, you need to realise that when we dream there is nobody there except you, your imagination and your fears, your hopes and even, at times, wisdom. So you are creating this scary story for what reason? Is it because inside you are trying to figure out a way to deal with such a situation if ever it arrives? That is what dreams do, put us in situations to see if we can figure out ways to deal with them.
But remember that a dream is you alone with yourself, and sometimes the easiest way out is to recognise what you are doing. See http://dreamhawk.com/dream-encyclopedia/the-magical-dream-machine/