Do I have good reason to be scared of females?

i can never talk to girls in real life, sometimes in my life girls have showed intrest in me for example rubbing my thigh in taxi, or smiling at me and trying to talk to me, but every time it jus scares me and i freeze and dont act... at all... i act unintrested and nothing ever happens... i fear that if i speak or try anything there's a high chance of negative judgement, like turning her off very easily, or being called a creep or just being rejected... i see girls treat guys like this a lot online or in internet videos so i think this is where my fear comes from, which is why i avoid them in real life, is my assumptions correct?
Do I have good reason to be scared of females?
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