"Would" does not necessarily indicate the past. "Would have" does.
I would like a cup of tea. I would like it right now. I would like another one in half an hour.
What would you do if Brad Pitt turned up at your front door later tonight? I would probably faint.
We quite frequently use "would be" when we mean "is". It's a sort of shy way of saying it.
Paying a fine would be difficult at present = I'm rather embarrassed to say I am short of money.
That would be me = It's me (Imagine the question was something like "Who is going to the Cliff Richard concert tonight?"