Michael is extremely fearful of germs. he sleeps in a special chamber at night, wears gloves, and will only eat food that he can unwrap. his symptoms are most characteristic of a(n) .

I think the answer should be obsessive-compulsive disorder

Fear of germs is linked to obsessive-compulsive disorder. This condition will cause the patient to extremely cautious with a strong impulse to wash their hands repeatedly.
It shouldn't be supposed to be included as phobia because the trigger is not specific and the fear tends to cause obsessive behavior.