KZiggy, you experienced a trauma (an abduction of someone your age, in your neighborhood) when you were little and it hasn't been processed. If you are 29 and this happened when you were a little girl, you are experiencing the feelings of a scared little girl. My bet is that no one really talked to you about it back then, and of course, this would be scary to any kid. The problem is, that these feelings are stuck in your brain and you are re-experiencing the fear, like a flashback. You might want to see a therapist who is knowledgeable about trauma to help you. My guess is that this would be a short term thing.
FWIW, bike trails in the middle of the day are always going to be more isolated than riding on the road. So, if you want to be around people, it's worth it to develop your road skills.