Drive reduction constitutes reinforcement. No character types. There can also be more than one response associated with a stimulus situation. Now imagine that a person has learned 3 different responses to one situation that differ in habit strength. There is research to support the above formula.
Classical conditioning is used to account for the development of anxiety.
These stimulus components of anxiety are aversive. Thus the person strengthens the habit of avoiding cars by negative reinforcement. Neuroses occur because of traumatic events experienced in childhood. Traumas are aversive UCSs. Anything that people do to reduce anxiety can be thought of as a process of negative reinforcement in behavioral terms.