* Chip from the web fiction serial ''Literature/DimensionHeroes''.
* Phase, from the WhateleyUniverse. While Team Kimba fearlessly charges into fights against supervillains, Phase is the only one who's really frightened. He still dives in like everyone else. He has claustrophobia, and his best trick is walking into solid matter ''which sets his phobia off''. Or maybe he's the OnlySaneMan in a comic book world.
* Kurt acts like a very nervous and cowardly contestant in [[LetsPlay/MindcrackServer Mindcrack Ultra Hardcore]] and prefers not to fight when he can, but when push comes to shove he shows a terrifying martial ability, as proved by his takedown of [[spoiler:[[TheBerserker Pause]]]] in Season 3, his leading the charge against Team Veterans in Season 4a and [[spoiler:dropping [[OneManArmy Nebris]] from 10 hearts to 2 before Nebris even touches him]] in Season 7.