I am loved: somebody loves me
I loved: In the past, i loved someone. it is not important who i loved, just that I loved.
I am afraid as (incomplete) - two possible completions
I am afraid as a mouse (mice are afraid of everything, and I am equally afraid of everything)
I am afraid as i don't know what to do: (because I don't know what to do, i feel fear about the future)
I afraid - incorrect. I am afraid - correct