It makes a big difference that I can't access the fantasy sites during work. It also makes a big difference that when I get home from work, I have 2 kids to take care of. They are older, but they still need my time and attention.
As I said, I played up until last year. I did quite well in most leagues, even with the limited time that I had, but it was stressful and frustrating for me. It's too bad if you can't understand that.
As far as your 'coward' and 'fear of humiliation' statements, what are you, in junior high? That doesn't work on adults.