Brain chemicals, genetics and traumatic experiences also appear to influence the development of phobias.”
i tend to agree with my rav…i mean after all he is my rav, but i think he has a point. i mean if you truly believed that it was out of your hands and in hashems…then why fear it? thats more than rationale of like “oh youre more likely to be hit by lightning while simultaneously being mauled by a woolly mammoth at the la brea tar pits holding a winning lottery ticket” because that leaves it open for discussion.