If you feel like you're going to topple over, I'm wondering if you're weight is correctly distributed? Are you comfortable on your bike other than going downhill? Do you have wrist numbness or neck pain? I'm thinking it may not be a phobia--maybe it's a bike fit issue.
Good questions- I do sometimes go into quick stop position- *** back on the saddle. I am comfortable on my bike size wise- I get hand numbness at times but not until I hit about 40 miles, if I forget to take breaks. Just my left hand, which is odd.
I have personal control issues which is what I think it boils down to-as in I need to be in charge of things and letting gravity take over is scary- there is a "letting go" that needs to happen that I struggle with.



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