There's a lot of talk on the Elden Ring forums about hackers mangling peoples' saves. They pop in and teleport the person underground, or into an DLC area (which means infinite loading if you don't own the DLC). Some will somehow cause every major boss to get killed off, so you won't get any rewards when you defeat them. If you haven't backed up your save, you're done. Start a new save.
Things weren't going well for me until I popped into a dungeon: the Stormfoot Catacombs. Got killed, then got killed just before getting my loot back. Arg. About 4000 runes gone - whatever they are for. A little underground area under a building in a swamp double-killed me, too. The first proper boss (found behind a one-way mist door) killed me pretty easily. I haven't died since, but I hardly had anything so I'm not going back for that loot.
I finally discovered the merchant that the game and been pointing me toward. I thought I would have to fight that big boss guy - but no, he just rides back and forth, waiting for me to get strong enough to kill him. That's going to be a pretty long time! I also found out that runes are money around here.
There are also soldiers wandering around. They're great! Better rewards than the giant bat things and WAY easier to kill. They're lucky to turn around before I finish them off! Those bat things are smart and sneak over the top of my shield to hurt me.
Still, I hadn't figured out how to level up yet. There's a "required" under my runes set at 750 or so which might be it, but I passed that up and there was no option to level up. What gives!? It's been two nights and I'm still at the same level I was. The guidance pointed me at another grace point, but the guidance from there points to a nasty looking place. I'm still the same level I was when I started and, though I have a nice shield, I'm barefoot! This can't be right.
So, I took a look in a guide. Oooooh, it seems I have to hang around that merchant overnight. Then I'll get a visitor who will clue me in on how to fraggin' level up. And give me a horse, too. And how was I supposed to know that!? Maybe those weird things the white mask guy said?
I probably would have gotten all sorts of hints about that if I had multiplayer turned on.