What does personal growth mean to you ?
The basis of fear is to keep you /us safe and happy. Unrealistic or unground fears are one thing. If we dial your list down just a little to areas of concerns everything on it is very responsible and very possible . And actually the STD one might be very legitimate to remain in the fear group.
So the question I would have is your internal guidence system general wrong.
Are your emotional responses to a situations run counter to reality. Would shaping , modifying, desensitizing your emotions to certain situations be less painful or temporary versus avoiding the out come. And what happens if the feared behavoir actually come about and reinforces the fear or concern.