It looks to me that you don't have a "general" fear but a multitude of different fears (and you named a few). In my opinion, going to a psychatrist should be your last resolve. You might want to try to learn more about EFT (Emotional Freedom Techniques) that can have lots of success on eliminatingt different fears from your life. It's very easy to apply but very effective.
You can read more about EFT at:
Emotional Freedom Techniques - EFT