It's guilt. Maybe, it's pity. It's a shame when you love someone like that. Out of courtesy though out of line, as you think you owed it to them at one time.
You can't say the words. You can't even whisper some. In fear you might hurt he, whose heart is in line. You ended up keeping it all. Ignoring that you're already lost the heart you own.
You think you're saving yourself but you're really not. You know you're digging deep for yourself to rot.