There's a difference between common fear and a phobia. A phobia is a mental disorder that should be treated by a therapist.However, the general principle remains: Objects of fear are not to be avoided in-game. Doing so would cripple the game, because it's a game about being a hero and confronting the bad and scary. If you're too afraid to even let your character do so in an imaginary, safe for you situation, then it's not the game for you I would have to say.
There's a difference between common fear and a phobia. A phobia is a mental disorder that should be treated by a therapist.
However, the general principle remains: Objects of fear are not to be avoided in-game. Doing so would cripple the game, because it's a game about being a hero and confronting the bad and scary. If you're too afraid to even let your character do so in an imaginary, safe for you situation, then it's not the game for you I would have to say.
What monster would you say you fear more than any other? The one that elicits an "Oh crap" reaction from you just with its presence alone. What has caused it to be your "most feared"?
It doesn't have to be something huge and powerful. Tucker's Kobolds are a pretty obvious example of why. Perhaps it's something your DM is just deadly with.