*face palm, face palm and more facepalm ... with a hint of facepalm*
Lancers ... I bloody eat lancers, why? cause I practised against them. FK would back me up when I say we were scared of one another in line battles, because we knew what would happen to both regiments ... totally obliterated ... why? because we practised against one another ... a lot.
Your going to loose against cav, your going to loose against infantry just as much ... there are experianced players for both so blaming that as a cause is just ludicrus.
Having problems against lancers:
Couched lance = Jump button or side step (into the horse or away from it) or better yet both
or if your actually good in melee, chamber the couched lance (Yes that is possible).
The thing that calvary lacks is ranged weaponry, apart from the dragoons, which I have to admit I hate totally but dosn't mean I should whine or complain about them because they were perfectly balanced, they have to stop totally to reload and have the wrost horse and sword to go along with a lack of running speed so once dismounted are usually dead.
The problems that people have with fighting cavalry is not that they are OP ... the reason is lack of experiance fighting them and because of that then shy away from them instead of fighting, and because they are always running it just makes it easier for a cav to kill them, then obviously don't like them and don't fight them and the circle begins again.
The key is to ... oddly enough fight cavlary ... you can only get better as you learn more.