Why do we all have different phobias? what makes us have these phobias?

For example, iam scared of spiders but ive never had an awful experience involving spiders i just really dont like them and do have a phobia of them.
Alot of people with phobias have no rational reason for being scared of that object or whatever, i just dont understand what causes human beings to have these phobias.
I know lots of people have had bad experiences with the phobic object but then alot of people havent.
Is it just one of those unexplainable things?

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