You can't make a meaningful comparison without numbers, so I'm not sure where you get your confidence. As it happens, my intuition is that your comparison is wrong.

I would bet that people who are predisposed to e.g. schizophrenia are, for the most part, going to experience some insult that makes it come on at some point before 30 years old. It's just a question of when, where, what, but it'll happen.

I bet the group of people who could develop schizophrenia were they to experience the right insult, but don't, is very small.

>You can't make a meaningful comparison without numbers

Except that these numbers do exist and it's a well documented phenomenon.

I don't know, personally I believe that a person can be genuinely afraid of water, I had it, I was generally even afraid to go into knee-deep water. So I'm 100% sure there is such a thing. Fortunately, the swimming school https://3sswim.co.uk/prices/ helped me get rid of this phobia, now I enjoy swimming, I think that in general, this was my goal