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I believe she's referring to an embarrassing thing that can sometimes happen when we wear looser skirts - when you sit down the hem of your skirt might get stuck to the back of the waistband, so that when you stand back up the back of your panties are exposed. Depending on how charitable the people around are and how windy it is that day, you could walk around all day inadvertently flashing everyone.
Though to be honest I've always thought it's just plain embarrassing, like when you have half a booger dangling from your nose or a sesame seed in your teeth.
Then there's the lecherous old man angle.This is a pretty interesting idea. I can see the guys around her teasing her about something without mentioning exactly what it is so the whole time she's wondering what is going on and why she's getting so much extra attention