I'd encourage you to use your bicycle or tricycle for pedal powered recreation in safe settings (neighborhood roads, parks, off street bike paths, etc).
I'm not sure of the intensity of your car phobia. Do you drive with other people?
If it is something that you might be able to get beyond, perhaps try some good driver's instruction and perhaps some counseling. There have to be people who have similar phobias.
Back to cars. There is what is called a "Neighborhood Electric Vehicle" NEV. Regulated to about 25 MPH. Kind of like a glorified golf cart. Good for perhaps trips to the neighborhood store. But, not something you really want to jump out on the highway on.
There are also a few cities around the USA that have developed around golf cart paths and access.
For example Peachtree Georgia which has developed golf cart infrastructure for the community. Perhaps other towns too. It might be worth looking at.
