I would say it's debilitating shyness + the full-blown phobia. A very complicated mix of things caused my problems, which I have identified and understand. (hardwiring + genetics + overinvolved-worrywart mother + parental alcoholism) Unfortunately, I have entertained passive thoughts of suicide in the past due to this problem. I was at a psych workshop based on Brene Brown's shame research a few weeks ago, and I ended up describing it to the rest of the group (something out of character for me). The rest of the group seemed to understand, but I could tell it was something totally foreign to them.

Here are some of the things that bother me to some extent, or I outright avoid:
making phone calls
walking into bars or restaurants alone
happy hours
taking the initiative to get another job
large groups of people - not concerts, movies etc. but big parties
dating (I've made a couple attempts but I can't get past the feeling that I just have way too many issues, and now thoughts about my age are making the prospect feel pretty impossible)
haircuts (I overcame this last year but they make me horribly anxious)
dressing up
beaches

It's just really sad. I have some close friends. I don't want to sound like a snob or stuck up, but I am extremely selective about people because I honestly find most people to be boring. Everyone close to me says I'm funny and extremely smart, and some are jealous of my abilities in other areas. My therapist has told me I'm very talented and have more insight into myself and others than most people. I've tried many things over the past 15 years - different therapists, different psychiatrists, different meds, exposure, outright forcing myself into situations, and nothing gives me any peace with myself. I would call it one of the great tragedies of my life - the other would be losing my father at a relatively young age.