Fear is a psychological traits & any human being passing on this phase may come across the FEAR.In certain cases it has been
observed that in darkness or visiting certain places where certain talks of problem may come to notice while visiting this place
such human being is under going a FEAR .
PHOBIA is a psychological notion .In case of seious accident observe by human being & watching the death on such events
why travelling in the mind this phobia may appear .In certain cases stories of Ghost & such other disturbing factors passed
by human being & it come to the notice of such person the phobia certainly may appear in the mind .
In both the case it is only psychological factor .