did i chicken out on the river?

[Girchuck]

The hand that can beat you from this loose passive is 9T
This hand is actually quite probable for him to have.

The hands that you beat include wierdly played K, and Q7, Q4 making a lesser 2 pair.

Optimally, if the loose passive is completely predictable, you raise and fold to 3-bet. However, if this loose passive is capable of 3-betting 2 pair hands, it is a very costly play, because you cannot fold to 3-bet.

Have you seen this loose passive bet with intention of 3-betting? It is very unusual play for loose passives, but some do it with very strong hand. If you haven't seen this loose passive doing this trick, then calling to find out his hand is ok, because if you raise and win, his hand will be mucked.

You preflop raise is standard. Your hand is very good against limping range of a loose passive.