You are wrong on both counts.
I just addressed "you", even though you're not physically present, so clearly that's not a requirement of second person usage, not to mention that presumably this child saying "chat" is being heard by people physically nearby in this example.
In order to break the fourth wall, the speaker must be part of the media. In the instance of streamers talking to their fans, it's clearly meant to be an interactive experience between streamer and host, consuming the same media (albeit in different ways). They're asking a question and getting a response which informs their actions.
Fundamentally, it's no different than when my wife asks "did that wizard just cast fireball?" while she sits on the couch watching me playing Skyrim.
At least you went, my guy. You can, without a doubt, say "that's not a thing I like". I have never done a cruise because I don't think I would like them, and don't want to be stuck in a boat for 3 more days after I find that out. Will I miss out on cruises? Probably not. Will I talk myself out of other things I might have actually enjoyed? Almost certainly.
It's important to push boundaries and try new things, but it's important-er to learn from those experiences and grow, even if the only "growth" you get here is the confirmation that trying a new thing might suck, but won't kill you.