flee flee You steel your resolve and prepare to venture beneath the water's surface. You can't hold your breath long enough to venture there! PANIC! You couldn't escape! An evil storm female has some small but disgusting cuts.
<58%hp 100%m 100%mv 6851tnl> On the Aryth Ocean
And then: You are affected by: Skill: 'hydrophobia' modifies morale by -30 for 5 hours.
So I got hydrophobia for frantically looking for a way out of a fight, and opting NOT to go underwater? Seems pretty crappy to me.
Even just attempting to do so can put fear into their minds as they approach the water and try to keep their thoughts away from the terrifying prospect of drowning.