certainly someone could claim to be just afraid of homosexuality while using that as a cover for actually hating it or being prejudiced against it or homosexual people
It’s not that someone “could” do this. They already do. They will come up with a million excuses as to why they’re not bigoted/prejudiced.
You know the cliche “I’m not racist, but…” That’s the phenomena in action.
doesn’t exactly fit the hypothetical I described
And that’s the core of my issue with your whole question.
You’re trying to solve a hypothetical scenario that doesn’t occur in any meaningful way, with a solution that makes it easier for bigots to display their bigotry with less pushback. It doesn’t solve any real world issues that can’t already be addressed by conversation with a therapist, and it does it by creating further opportunities for bigots to pretend that they aren’t bigoted.