How about your character gets a fear of a certain monster, so you could get arachnophobia, and you suffer combat penalties when fighting spiders, its permanent, but it doesnt completely screw your character over.
or maybe this fear your character has can switch every so often, so its a permanent penalty, but the monster type in question will change over time.
I'd shit my pants everytime i'd see a black death heh. Good fun. Altho i'm not sure iw ould to see something like it make a return in D3, unless there is a way to take back the attribute that you lost with some sort of items that you can create.
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or maybe this fear your character has can switch every so often, so its a permanent penalty, but the monster type in question will change over time.