Phobia or Fear?

I believe in the truth. I will admit that over my years of life (40 and counting) I have not been the most honest man. Integrity used to be a phobia of mine. I was scared to tell the truth because of who it might hurt. Me, maybe someone else. But as our parents have told us, the older you get the wiser you get. I am no mastermind genius, but I know the difference between right and wrong.
The case that I bring up is when I see people telling other "I will be praying for you" or "sending prayers your way". These are sweet and almost comforting phrases that tend to get used a lot. But who are we praying to? I am having trouble knowing that I am a sinner and I pray to God who will not look upon sin. When I sin, He is not looking at me. He cant! How can He still love me?
I have been hearing lately about "phobia". People think that if someone does not accept someone else because of a different lifestyle, then they are suffering from a phobia. Again, if a lifestyle that is chosen that has been deemed a sin by God, how can we accept it and still expect God to listen to our prayers? Look at this in human standards. If you have bad credit, a bank will not look at you. You will get NO help from a bank. Why? Because bad credit is BAD. However, you can possibly go to a sub-prime lender and get a loan for an terrible interest rate. Is that acceptance? It is putting you further into debt and you are paying a higher price. However, you got what you wanted...acceptance. Is the price of acceptance worth it?