Just my take:

The rooms are that portion of your mind that holds memories. The room with the lights off are the memories that your subconscious is still withholding from you. The feeling that you'll lose your soul if the monster touches you is the inner knowledge that you may not yet be strong enough to face the memory or memories that your subconscious is withholding.

The feeling of safety outside is the emotional need to escape from your memories by immersing yourself in something outside yourself. However, that's an illusion. You can never really escape from yourself.

That's why the outside world of your dream is either devoid of safety and people, or the people are faceless. Until you can face your monsters and see that they're actually powerless over the person that you've become, you'll be unable to "be here now", that is, to be fully emotionally and mentally involved in the moment, outside of all those rooms.

The good news is that, right now, you want to get back inside the house. You're building yourself up to eventually do what you need to do. Slay the monster by staring it down and fearlessly throw the front door wide open!