Naturally we all are naked. We are naked inside our clothes. when we see someone half covered, it instigates a sense of curiosity in our mind but when the cover is removed, our curiosity vanishes and we see that things as we see other things. This is the reality of human mind.
I don't know we are conditioned in such a way or we are created like that. But, one thing is clear, everything is magical till it doesn't come near to us.