I believe it is the 3rd one but I am not sure but if you want an explanation on why, I will tell you that phobias are based off of a certain object,situations,or anything that makes you react with so much fear. That is why I think it is the 3rd one but let me know what the answer is I am curious of what the actual answer may be.
for examples: you are riding a bike before you ride a bike wear you gear first.
because gears can helps you from getting injury.
for another examples: you are on the road to don't get injury or anything you need to follow all the rules and beware of any situation that can happen in the road.