Interesting point. How could we explain a person like an insurance actuary, that is only anti-gay marriage due to damage he/she predicts it will do to his/her company? Let's say that person has forged this veiwpoint solely on financials? Should this person be considered homophobic, or just a greedy a--hole? Or, on the flip-side, how do you describe the same insurance acutary that is pro-gay marriage only because there is a tidy sum of money to be made from the new partnership insurance premiums that are on the way? A helpful homophobe?
Sounds like the actuary would oppose or support the marriage itself, not the type of marriage, and base his conclusion on variables independent of spousal gender. Presumably, Mr. Insurance would reach the same conclusion if he approached the situation gender-blind. Doesn't sound like homophobia, just good ol' fashioned bean-counting, right?