Mine is the Great Filter, basically a unification of life itself being rare and the universe being fragile. Though I don't think it reaches the level of destroying the universe, I think the filter happens at the level of being able to destroy a world or maybe a galaxy.

I think evolution creates a local maxima that's incompatible with access to advanced technology (read: unbelievable quantities of energy). There's a big technological gap between having enough energy to destroy the entire species and being able to colonize other galaxies, and some madman ends up destroying the species during that gap.

We have nuclear weapons that could come close to wiping out all intelligent life on the planet and we're nowhere close to intergalactic colonization or even traveling at speeds that would make that feasible. It seems probable that such travel requires a discovery that could be weaponized to destroy the planet.

Mine is that fossil fuels exist on all planets that intelligent life evolves on, and all species extinct themselves once they discover how to use them.