A phobia is an "irrational" fear.  But since the great majority of terrorist activity occurring in the western world in recent history is of Islamic origin, some level of caution toward members of the faith seems warranted, and therefore rational.

Of course, Islamic terror comes from a small segment of Islam, and to paint all Muslims with the same brush is clearly unfair.

All Muslims are not Jihadis-- but we must remember that all Jihadis are Muslim.

"Islamophobia" is a meme designed to stop conversation. It not only silences voices from outside the faith, but it also prevents moderate Muslims from engaging in this dialogue.