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It's not easy to come up with what to say on the fly particularly in a foreign language.

Nah, it's super easy. Just have to talk. Even if it's a total rubbish.
Just have to untie the tongue and say anything.
And after a while, there will be a feeling of freedom and ideas will pile up one after another.

When people say such things about the ease or difficulty of tasks, they tend to totally ignore differences between individuals.

You think too much. When you stream, first of all, you need to talk a lot and not use your brain at all.
So it's super easy to learn how to do it. But it can be hard to push yourself to do it everyday.
Depends on the reason why people want to start streaming.

I realized where the echo was coming from. The stream was open in the browser window. One should probably turn off the sound from that window or tab.