Each of your examples, though, IS an example of a phobia. As I said before, a reason to fear is not necessarily a rational reason to fear.
For a real life example: a philosophy professor of mine claimed an irrational fear of flying. The reason/source of this fear was that he saw a plane that crashed as it landed. As a result, even though he knows all the statistics, knows it is the safest way to travel, he has a fear of flying that incapacitate him in that regard due to a traumatic event.
He has a reason, it may even resonate with us, but it is not rational.