Phobias are often not rational, but just because you don’t remember the traumatic even doesn’t mean one didn’t happen. There may have been an experience which the person doesn’t actively remember, but which has still left a psychological mark— a spider falling into your mouth as a child, or seeing a parent scream and flail because of a wasp, etc.
Besides this, some bugs *are* dangerous, and we know this, but a wire gets crossed somewhere and you end up afraid of a harmless worm as well a black widow spider.
Sometimes it’s just that they overstimulate the disgust response, which exists to keep us away from harmful things, like waste material and dead/diseased organisms.
Basically, it’s the brain getting hyped in a way that is necessary to exist, but is not necessary to happen in this instance, due to some crossed wires upstairs.
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