I'm like you OP, I really can't stand hot food at all. I do love curry but all the "safe" dishes.
There is a certain part of the population who have extra sensitive taste buds so things like hot food absolutley destroy their mouth, I don't know if I'm like them but I think its more that I've never really had much of it and therefore I'm not desensitised to it.
I have to enjoy food to eat, or I'm really not arsed; and so the cycle of never eating hot food is in place. Some of my friends love it and order faal's++ at curry houses and use ridiculous "sauces" on their food.
Recently at one of my friends birthdays, we went to an awesome steak house near to where I live, he had the following:
To be fair it was 1.3kg of blue sirloin, but towards the end he was getting full and decided to add some of his birthday present to make it more interesting at the end:
I think thats the stuff at least, looks very like the bottle he had; it contains warnings about washing your hands after eating and to avoid touching "sensitive" areas just in case. I think it's over 1,000,000 scovills and contains
Naga Jolokia Pepper
I honestly don't know what draws people to this kind of thing. The mind boggles it really does!