No embarrassment here. I think it is the latter. I think also I am not relaxed enough and tend to panic. I think I am weak psychologically too. I state again I know little of tactics really. I have read books on the basic moves but most of my education has been playing through games books like "Logical Chess" and "The Mammoth book of Chess Games".
I am used to mechanically following routine openings and I normally end up flat on my face. I played a game just now on FICS where I managed to avoid these problems and force a resignation but that happens all to rarely. I tried something different though and played a D4 opening rather than the e4 which made things a little bit more interesting.
Truth is I am groping in the dark. I do agree though with Smyslovchess (he got my measure well) that playing through games is the most enjoyable way to learn with good commentary. I have bought John Nunn's "Understanding Chess Move by Move" but the commentary is nowhere near as novice friendly as Chernev with its endless list of variations.
@OP : there are many examples of situations where you give material for free, without any tactics involved) (Bc4, b4, g2).
My question, and it's not meant to embarass you but just trying to give useful advice, is why do you think it happens ? Some possible answers :