I think the provision to spend dice from the doom pool to introduce new characters or events can cover this. Also, sometimes you just want to start a scene with civilians in danger. The danger itself can be treated as a specialty character. As for how it works, hey, the danger and the civilian are each watcher characters. They don't roll dice against each other. So the danger's just gonna apply its effect die and that civilian is going to be stressed out, traumatized or dead as the case may be. If it gets to act.
Since it's treated as a character, it gets a turn. So some PC needs to make sure it doesn't get a turn, by taking successful action against it. (Unless a PC has reactive defense, in which case she's dying to use that anyhow, because it's one of the reasons her hero is cool.) Tactically, this means heroes burning their actions to preempt the dangers, which suits the actual villain down to the ground - she's more likely to end up with the sweet spot in the turn order.
I don't much favor the notion of treating actual harm to a civilian as emotional stress to a hero, for a couple of different reasons. I think you make the civilian specific, vivid and make clear what the stakes are, and let the fact that everyone chose to play a superhero game take care of the rest.
Jim
