Phobias aren't fears, they're irrational fears. People have an irrational fear of Muslims. Its rational to be afraid of spiders and snakes.

Someone who has a phobia however reacts disproportionally to the threat posed. My cousins used to block up all the plugs and sinks before they could sleep because of a phobia of spiders (and that's a mild fear).

Someone who is phobic doesn't need to see their trigger - its ever present. The trigger just causes the very hysterical reactions - But someone with a phobia will slowly end up defining their lives by their fears.

Phobias are irrational, disproportionally and distorting fears.

"One Nation Under God, has turned into One Nation Under the Influence of One Drug"
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I think you're actually agreeing with Jamie?. 'Islamophobia' is the irrational, hysterical fear. The sort of person who believes in 'no go zones' in London for example.

The rational fear/wariness you're talking about, for example having an opinion on Saudi funding of extremism is not islamophobia, it's an informed reaction to global politics. It's the same as being slightly wary/mistrusting of the Catholic church as an organisation because of the various child abuse scandals? It doesn't mean you immediately distrust and fear every single Catholic you meet.

Using the spiders example again, arachnophobia is the fear of what might happen with spiders, but if you woke up covered in tarantulas and freaked out, I wouldn't say you were necessarily arachnophobic, because in that instance that's a pretty normal reaction...

Employee of the month is a good example of how someone can be both a winner and a loser at the same time.