Spooky Pumpkin Man

Nightmares and Horrors are spooky. (In addition
to its other types.)
A spooky creature can't be blocked or targeted
by a spell or ability an opponent controls unless
they over come their fears. (Pay 2 life.)
At the beginning of your upkeep, if you control
three or more spooky creatures, each opponent
loses 5 life.
(Rule: It is only silver border cause it looks cool. This can be played legally. Like how I formatted this off the card as a rules text ;) )