Even with his mentors or senseis, his fear can be a problem. They might want to guide him physically in training, like correcting his stance by touching his arm or shoulder. But Naruto's fear could make him resist this kind of guidance, which could slow down his progress in learning new techniques.
In a romantic relationship, it would be a major obstacle. His partner would have to be very patient and understanding. They would need to find other ways to show love and closeness, as physical touch is a common part of a romantic relationship. This could potentially slow down the development of a romantic relationship.
It can create misunderstandings. For instance, his friends might think he doesn't like them if he recoils from their touches. His romantic relationships could also be affected. If he's in love with someone in the fanfiction, his fear of touch would make it difficult for him to show physical affection, which is an important part of a romantic relationship.
In his relationship with his mentors, it might change the dynamic of how they guide him. Instead of using physical gestures like a hand on the shoulder for reassurance, they would have to rely more on verbal communication. This could make the bond-building process more challenging as physical touch is often a way to convey closeness and trust in these relationships.
With Sasuke, it could either drive a wedge or bring them closer. If Sasuke blames himself for Naruto getting injured while protecting him, he might distance himself out of guilt. On the other hand, it could also make Sasuke realize how much Naruto means to him and he could become more committed to their friendship.
His apathy can strain his relationships. His friends might feel neglected. For instance, Sakura could be confused and hurt as Naruto no longer shows the same eagerness to be part of the team.
With his friends, it might create a sense of shock. His friends who have always supported his dream of being Hokage would be surprised. Some might be disappointed, like Sakura who has seen Naruto's growth towards that goal. But others, like Shikamaru, might understand his decision and still support him in whatever he chooses to do. With his family, if he has a family at this point, it could bring a sense of relief as they may not want him to be in such a dangerous and stressful position.
His illiteracy might make his friends initially frustrated. For instance, Sasuke, who is more studious, could be impatient with Naruto's inability to read important messages. But as they grow, they might become more understanding.
The fear could also make him question his own identity as a ninja. If he is afraid of ninjas, does that mean he is also afraid of what he is? This internal conflict would be a major part of his character development. He would have to face his fear, understand the true nature of being a ninja, and decide whether he wants to continue on the ninja path or find an alternative way of life.
It could make some relationships stronger. His friends might be in awe of his new powers and look up to him even more. But it could also create some distance, as his new status might make others feel inferior.
His friends might start to avoid him. If Naruto is constantly snapping at them, they'll feel hurt and not want to be around him as much.