This may overly simplify human behavior. While MZ twins (sharing 100% of genes) have higher concordance rates for psychological disorders than DZ twins (50% shared genes), they never reach 100%. Additionally, not everyone who associates a neutral stimulus (e.g., a dog) with a fear-inducing event (e.g., a bite) develops a phobia. This limitation suggests that biological (genes) and environmental (stimulus-response learning) reductionism cannot fully explain psychological disorders, questioning their credibility.