Nuts and Bolts IV (Sanity, or lack there of)

Horror/Fear/Sanity check
Some times people encounter an act of violence, or entity that floors them. Some thing truly horrific, weird, or strange. So seeing an angry savage dog wouldn't require it. But seeing an angry savage dog foaming at the mouth, the fur on its head slicked back by blood and gore, yes. Seeing someone shot, no. Finding a pile of corpses that have been machine gunned, yes. A group of people walking at night, no. Encountering the "Nightmarchers", yes. Reading about Kahōʻāliʻi, no. Encountering Kahōʻāliʻi, yes.
When making a check the character must roll under their Willpower. If successful, they have pulled themselves together and operate normally. If they fail they must runaway or stand frozen in horror. They also temporarily lose 1 willpower point till they have slept. Characters regenerate one point of temporarily lose will every time they sleep. So if they lose more than one in a day it takes days to regain them. Now if they a roll a 20 it is an automatic failure. In addition to the effects of a normal failure they also permanently lose one point of willpower, and gain a mental disorder.

(From here on out its a real rough draft. But thats the purpose of this to get it down. So I can look at it and mess with it more) roll 1d8 and consult the table
(Though I have a roll here. I think that this can be a good guide with out rolling as well.)

1	Psychosis
2-3	Phobia
4-6	Anxiety

Psychosis or Psychotic break the character suffers from abnormal social behavior and failure to recognize what is real. Common symptoms include false beliefs, unclear or confused thinking, auditory hallucinations, reduced social engagement and emotional expression, and lack of motivation.

Phobia is an irrational fear of x. The phobia gained should have something to do with the experience that traumatizes the character. If attacked by a demon posses dog, one should not gain a fear of flying for example.

Anxiety is a grouping of stress related disorders. Suck as panic attacks, OCD, and PTSD. Roll randomly or pick one.

Now obviously this is all very rough as far as the mental disorders go. But its a good starting place.

(As always comments welcome)