I feel the two games create very different kinds of fear.
ZombiU's punishing difficulty and real consequences for dying make it good at inducing a panic in a "holy shit I'm gonna die and lose an hour of progress" kind of way. It spikes your adrenaline in the same way as a well timed jump scare.
Fatal Frame on the other hand, evokes a rather different kind of fear; an eerie, unsettling slow-burn of creepiness, that arises less from a sense of immediate danger and more from the macabre imagery, sound design, and lore.







