Obviously, not all phobias are made equal. There are some 'phobias' that involve things that are normally do inspire fear in others (such as, famously, spiders). Honestly, I never understood why being scared of things like spiders constituted a 'phobia', since phobias are supposed to be irrational fears, but being afraid of spiders (at least, certain species) is obviously normal and not exactly irrational.
Personally, I often say I have a phobia of ghosts. But do I? I don't believe in ghosts, so I consider it irrational, but 'ghosts' in general don't scare me. The ghosts of Skyrim never scared me, though the ones in certain quest mods do. And I've certainly never found Casper scary, but I could never force myself to enter a location I've heard is haunted, purely because of that label. Old abandoned buildings (particularly houses) also scare me for no reason. Simply being in one makes me want to get out of there as fast as possible. And considering that ghosts in general don't scare me, I'm not sure my weird and obviously nonsensical fear would actually count as a phobia. Its, of course, normal to find ghosts scary. But is it normal to not be able to enter a supposedly 'haunted' location, or an old rotting building, even though I honestly don't see any reason for ghosts to exist. And thinking about that fact doesn't help one bit for some reason.
So, what's the line between being just scared of something and having a phobia towards it?