I played an FM recently who was complete garbage, you can certainly argue that its online so it doesnt matter to people that take OTB seriously.
My score against titled players on chess.com is 2-0 in correspondance chess (team match, so two games with one player). Obviously the guy did not break a sweat as much as I did at the sight of the little red letters.
On the other hand, in blitz, it would be more like 0-5.
Yes there is nothing like real over the board chess :) The stakes are totally different honestly, not just the money but probably also the fact that you have a real opponent sitting in front of you.