Should I be folding this?

[Willd]

It's definitely wrong to complete with <20 bbs here. The chance of flopping a big draw or 2 pair plus is about 1 in 7 and most of that is draws where when you get it in you will either be a slight dog or slight favourite. The implied odds aren't close to being enough to complete here, it's probably a fold in a 100 bb deep cash game as well unless people play really bad.