What I will take issue with is blatant misrepresentation of facts and/or duplicitous and deceitful subterfuge to further some agenda
Then, with regard to your original question, you must take issue with the media and politicians.
They, whether through ignorance or intention to mislead, frequently misuse words to confuse the general public.
Phobia does, indeed, mean 'an
irrational fear of something'.
It should relate only to things like claustrophobia or agoraphobia when it properly means an irrational fear of something which cannot harm you.
Arachnophobia can therefore be said to be a condition in, for example, Britain, where spiders do not harm you. It follows that it would not be arachnophobia in a place where the spiders are venomous; this would be a true and justified fear.
Islamophobia is wrong on two counts. Firstly because that fear is not entirely irrational and secondly because it is used to describe those who hate islam (not a phobia).
Homophobia is also wrong when used to describe those who are against homosexuality when it is not a fear of it, irrational or otherwise, just a hatred.
Passing a law giving homosexuals equal rights can no more eradicate true homophobia than can claustrophobia or agoraphobia be cured by legislation.
As I have written before, the suffix 'ist' can mean either for or against.
This is a common ploy among the media where, for example, contradictory reports and programmes are used in order that the population be mislead as to what is really happening.
Dictionaries do not help by 'modernising' meanings of words because, presumably, more than fifty percent use a word wrongly.
There is a difference in, say, youngsters using 'wicked' to mean good (a sort of code) and 'literally' referring to something which is not literal (just wrong) but no distinction is made by those in charge.
The fact is we are governed and 'informed' by the not very bright and the English language so misused it is frequently difficult to know what any of them really means.