Say what?

So, I've gotta ask, how often have you come to this point in your life where there is something you desperately want to tell someone but from some reason or another can't? I think we have all been there, I mean come on, I'm talking anything from telling someone you like them to ask for something from a neighbor. Really it could be anything. 

Sure maybe you're one of those people who isn't afraid (or polite) to say what is on your mind. If you are, how do you do it? What is it that keeps us from saying (or asking) what we really want to say? I don't believe it's just our manners, there's a point in life were manners are overcome by need. 

What really bugs me about this, because yes this happens to me numerous times a day, is what holds us back, what stops us? Is it just me? 

People may  say "Well if there is something on your mind bugging you (or something you desperately need (whether it be something to say or to ask for)) just ask. You're just making things worse."

I may sound whiney but you can't deny that you're there too. My problem is, I'm unsure how to bring it up. Whether it be to ask a favor or tell someone (okay, so most people should know how I feel, but sometimes not) how you feel. I just don't know how to state what is bothering me.

Am I alone on this?