@MEL0DY You don't quite understand her point. Her point is that in a setting where showing his chest would be embarrassing, he doesn't want to do it. It's basically no point whatsoever. Even for a guy in an unsuitable place it's not natural to just suddenly expose his chest publicly (in fact you might get accosted by the staff in many establishments if you did it). Just like it's not natural to take off your trousers and parade in your underwear publicly, even though you aren't even showing your genitals. Here the setting is sometimes, but not always, complicated by the added burden of the boy knowing that random onlookers would consider him a girl who would suddenly show her breasts, like when wearing a girl's swimwear. Rika just enjoys making the boy feel embarrassed, whether it's in crossdress or men's clothes.