I'm not paranoid; it's just that everyone else thinks I am. 😉

The word "'phobia" is used to express an unreasonable fear. Fear where there is no justifiable reason to fear.

Now, it is reasonable and in no way phobic to have fear of a real and present threat or danger; a threat  or a danger which can be seen and appreciated for what it is.

It's not a fine line. it's a line drawn bold, often in blood.