That's exactly the point, isn't it? Phobia is a medical term.
You cannot just call something anything you like.
That is exactly the point.
Phobia is a medical term adopted and used in conjunction with other words to form new words. Those new words take on meanings that need not reflect absolutely the original meanings of the Latin/Roman/French/Gaelic etymology, especially when the new word is not a medical term. It is a part of a word borrowed from medicine to convey approximately the meaning of a new word.
People adopt medical terms and use them, e.g. psycho, short for psychosis, and abscess. But the people that use such words have no clinical expertise.
There are probably numerous uses of specialised words finding their way into everyday conversations.
You cannot just call something anything you like.
Really? there have been a couple of recent examples where people have put their own definition onto the meaning of commonly used words.
Words come into being for a variety of reasons. One of those reasons is the formation of a new word which everyone recognises and understands an approximate meaning for it. When it is potentially confusing, and a pseudo-legal definition is required, there are two alternatives, 1. outlaw the use of the word, and create a new word which encapsulates what it is one wants to transmit, or 2. prepare a pseudo-legal definition of the word in existence.
It is far easier to create a pseudo-legal definition of the existing word than it is to create a new word and have it replacing the word already in circulation. Just because EFLImpudence doesn't agree with the meaning, that is not a sensible reason to outlaw the word and create a new one.
Are you a democrat? Do you accept the wishes of the majority? Or do you constantly rail against the majority?
Do you object to the definition of such objects as "what is a tricycle?" Or "what is an electric car?"
Or is it just the words used in describing bigotry and prejudice that you don't like and make so much fuss over?