I think your looking at it the wrong way. I can't drive over certain bridges like the terrifying sunshine skway bridge, I'll just shut down & be going 2mph on the other end or stop & need to get towed off. I'm perfectly fine enjoying the view as a passenger over that bridge.
Broadly, I might say that's the difference between line (it is focused on you) and veil (it is a thing that's happening, but you are not the focus of it).
The movie arachnophobia is about spiders, ask any person with arachnophobia the best part of that movit & they will tell you about the fire... Likewise with fear of clowns & every movie with pennywise.
The two people I know who are arachnophobes, and the one I know who is coulrophobic cannot watch those movies, and have no opinion about the "best parts" of the films.
So, story about me, and the one person I know who is coulrophobic....
Years ago, I was playing in a live action RPG at a convention, the game was set at a circus, and I was cast... you guessed it... as one of the clowns. We're all in costume, waiting for game to start, and a GM told us it would be another 10 minutes. Since we were all jazzed about our costuming and makeup, we collectively decided that the circus could do a parade, and we all went jandering out in-character... you guessed it.... clowns leading the parade (because, if I must say myself, we clowns had pulled out the stops, and we looked pretty darned good). And, of course, I was the top clown, and was leading the way, walking funny in my big shoes, baggy pants and sad Emmet Kelly clown makeup...
... and we entered the con suite area, where people between games were hanging out with sodas and snacks...
... And I hear a woman's voice give a horrific
screech, saw her fall to the ground, and fling herself under a banquet table. She would not come out until I had left. She was so freaked out, she had to go back to her room, and missed her next game. I felt horrible about it. I only actually met her years later, and thank goodness my makeup had been good enough that she didn't associate me with that event.
So, no, not "ask anyone". It is, in fact, that kind of assumption and generalization these tools are supposed to prevent.