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FootballFan said:

A phobia is an irrational fear. A small percentage of spiders are harmful that leads to people having the fear. A small amount of Muslims are terrorists. Sure it is an irrational fear but considering the same principles of any other fear, it is bound to occur when terrorists (specifically Islamic) seem to be in a greater abundance than ever.

Here is an example, there was recently an explosion near where I live. The person thought it was a terrorists attacking, it is just an instilled reaction from what has happened to the West from a minority of brainwashed (insert word here) people from the east killing or fighting in the name of allah to kill/harm the infedels.

EDIT: When other (minorities from other) religious groups start blowing themselves up, there will clearly be irrational fears coming from that. *Irish Catholics i'm staring at you!*

Just need to say that that is not the reason for a phobia at all.  People don't have arachnaphobia just because there are deadly spiders in the world.  You can be fully aware that a spider is harmless yet still be petrified.  Being afraid of them because a small percentage of them are dangerous would be much more rational.