Sometimes I have to push myself to get out of the house and go (wherever). It's not a phobia. It's most likely the depression wanting to have its way.
I know that many people do have true phobias, and they're extremely scary and completely interfere with their lives.
I have done quite a bit of reading about phobias and anxiety in general.
Sometimes with phobias, little tiny steps can be taken...very very slowly (in addition to holding someone's hand - figuratively or literally).