What causes this phobia?/What scares you?

I always get this question and I never know how to answer it.

”What about v* scares you?”

My answer is, I don’t know. Genuinely I don’t. I remember in great detail the first time I tu* (when I was a little kid) and other times as well. I don’t remember being particularly scared in the moment, but I remember afterwards (months later) my mom picked out the same outfit I wore when I was sick and I refused to wear it because the memory scared me. And the fear got worse from there. I don’t know what made me scared of it, all I know is that I heard my grandma was very scared of v* too. Can this fear be passed down?