Fear is a natural human response to a real or perceived threat and will be part of your character's experience. Phobias, however, take things to the next level. They're irrational fears that are so strong they compel the character to go out of their way to avoid what they fear. Because phobias don't always make sense to others and they're not common to everyone, the drive to hide it may become so strong that it impacts the character's ability to live life to the fullest and achieve their goals.

Personal Health Issues (primary); Regrets, Guilt, or Shame

BECOMING WHAT ONE HATES, BEING JUDGED, BEING LABELED, BEING PITIED, BEING TAKEN ADVANTAGE OF, CRITICISM, HUMILIATION, LOSING THE RESPECT OF OTHERS, LOSING ONE'S SOCIAL STANDING, NOT FITTING IN, ONE'S INSTINCTS BEING UNRELIABLE, REJECTION

Having to avoid situations where they might encounter the feared thing
Limiting their job options because of the phobia
Limiting their living situation options because of the phobia
Being unable to travel to certain places
Staying within their comfort zone—even to the extent of becoming a shut-in
Not being able to be spontaneous
Being reluctant to date or meet new people because they don't want to admit to the phobia or try to explain it
Dealing with constant stress and burnout from trying to manage the phobia
Suffering from low self-esteem

Acting over-confident and joking about the feared thing as if it's no big deal
Taking anti-anxiety medication 
Extensively planning their schedule or following a strict routine to keep them safe
Generating excuses for why they can't attend an event or go to a certain place
Taking a job where the phobia won't come into play