I've gathered from context, that “人家” can be used like “我” with the following differences:
- "人家" seems more immature/cute. I often hear it in cartoons or children's shows or said by children in movies or shows.
- "人家" seems more colloquial. I often hear it, but rarely see it in print.
- "人家" seems to be kind of like passive voice in English somehow. For example, if someone wanted to defend an opposing viewpoint without directly challenging the other side, they might be more likely to say something like “人家只是擔心。。。” or "人家沒有煩心工作的話就不會。。。“
Since I haven't found a dictionary with a detailed (or any, really) definition of this often heard expression, I was curious if anyone has any advice on usage.