Definitely it doesn’t need to exist for every phobia or in every game, but for phobias that really are only present audio-visually (blood splatters, certain noises, monster models, etc) and not narratively (quest-lines and dialogue), I think it is simple enough to have a model-swap setting or similar. I don’t mind the ludo-narrative dissonance of an NPC telling me to go fix their spider infestation in their cellar and then finding a den of cob-web surrounded werebadgers or whatever. Games like Don’t Starve already let the player fully customize the spawn rates of difference monsters, while other games let the player disable their character drowning or burning, for example.
One fun thing about the mod is that it doesn’t disable crawling on the walls/ceiling or descending from a web, so sometimes you’ll wander into a cave and a massive bear will just roar at you as it slowly floats down from the ceiling before it can charge at you properly. All the cobweb/spiders’ eggs items were replaced with “Cave Bear Honeycomb,” too.