My wife is the same way. She usually rides with me when she rides so I'm always available to fix her flat if she has one. But the more you have your husband or other people change your flats, the bigger your phobia will grow. Like PhattTyre said, you just need to do it yourself a few times. Learn the tricks from someone but then practice it by yourself when no one can help you. You learn more when you have to figure it out yourself. I've had the same type of phobia about adjusting my brakes or deraillers or other repairs, but I've just forced myself to do it and it's not as hard as I thought it was going to be.