I read this thread a few weeks ago, and I've actually completed a few games against live people. I'm still here. My 9 year old had a Lichess tournament recently, so I was logged in and watching. While he was on a break, I tried a live game. I made it 20 moves and was feeling proud of myself! Then in the chat, the player wrote "You are stupid." That is why I didn't want to play live folks... but then I remembered some of the comments here - they let the idiots get accounts too! So I sent back something nice and finished the game.
I played one fellow from Indonesia earlier this week here, and he won pretty decisively. But, when he would capture each piece, I would laugh knowing how bad I had moved and handed him these easy captures. I imagine that he was probably new like me, and he was excited to win a game like I would be!
After it was over, I was going to offer him a rematch. But, he offered me one first. I had read on the forums that it was in bad taste to offer a rematch if you win... but I didn't feel that way. I immediately accepted and he beat me even quicker. But, it's all right. It's still more fun than playing my kid, because he's a sore winner sometimes! I do appreciate the encouragement from the other folks in this thread, because it helps.
Yes it's scary to play live chess! It took me ages to have a go, and haven't done since. Prefer to play with friends. But having said that I love playing just don't feel good enough yet...