How can anyone's confidence be so low?

Anonymous
Recently, I started thinking about my life and things I wanted to do. I turned 28, and I didn't do anything. I didn't live my life.
My extreme lack of confidence has been making my life really difficult in every aspect, e. g., I can't look at myself because I find myself ugly, although people mostly tell me I look good, or at least average or "normal." But I don't think so. I just don't believe it. I hate it when I see my picture somewhere, and I try to avoid looking at it. Not to mention mirrors - those are my kryptonite. Never in my life have I taken a single selfie because I just can't stand looking at my face. I don't have profile pictures anywhere. People don't understand it and tend to get upset when I refuse to join them when taking photos.
I have difficulties joining conversations because "Why would anyone care what I think?"
When I see someone in need, I don't help them because I'm afraid I would fail somehow. When someone asks for help and there's more of us, I don't offer help because, "why would anyone need MY help?" This is the reason people often think I'm an arrogant douchebag. Although I just have an extreme and nonsensical lack of confidence.
I have never been able to develop any relationship with a woman. Yes, I am 28, and I am still a virgin. There were certain moments when I could have had sex, but I always stopped it. I started wondering how anyone could be able to like me. Why would anyone date me, let alone have sex with me? Just why? And that was it. The moment was gone. I had to make up something so that the girl didn't consider me the weirdo that I was, and I left.
Honestly, I haven't met anyone with such a lack of confidence as mine. It started driving me mad in the past weeks because I am almost 30, and I don't seem to be making any progress in life. Not to mention, I wasted the best years of my youth, and that's something I will regret till the end of my days. Has anyone experienced a similar problem, and did you manage to solve it?
How can anyone's confidence be so low?
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