phobias often take a LONG time to overcome, if they even can be. therapy, medication, etc is VERY expensive (especially here in the us) and aren't a guaranteed fix. some people literally CANT go that route. people can have different levels of response too, for instance i have a phobia for heights, which is actually common enough that people just call it a fear of heights. mine is mild; i can fly a ultralight for a short time without freezing up and crashing mid flight but it sure as hell isn't easy and stresses me the hell out. other people have it much, much worse, having one severe enough to make you completely break down mentally and even cause legitimate damage to your body isn't common but they do exist. some people react so severely their lives are literally in danger. what you're essentially saying is about the same as telling someone with a peanut allergy they're being picky and to just use a epipen whenever they eat a pbj and stop whining about not being able to breathe or blisters all over their skin etc.
for those who didn't get the absurdity of that comparison: epipens are actually just injectable adrenaline, sounds fun but i'm like 95% certain you won't think that after trying one. they wear off fast too so the person needs to get to a hospital asap and get actual treatment. in case someone wants to compare their lactose intolerance or mild allergy to a severe food allergy: food allergies can be very serious too, for many severe cases if they don't suffocate first their immune system will wreck all their innards and they'll die from multiple organ failure.
that all being said i think this is better left to a modding community and relegated to mods; game developers cannot and should not be expected to cover every phobia out there, and if you have a particularly severe phobia you'll definitely have some awareness of it and be able to find community mods for the game before downloading. if enough players demand a filter for a particular phobia then the developer may add it into the game officially i.e as lethal company did however that should be left up to the developers.modding communities usually produce better results too ive noticed.
demanding a developer to try and cater to your particular problems is just unrealistic, they're trying to make a game. ask someone else or learn how to make them yourself. you don't have to see the models/sprites to replace them in game files, assuming you can access them somehow that is. its not easy for closed-source games but it is possible.