Different women have different tastes; probably about half of women prefer some chest hair on men--and some of them even prefer LOTS of chest hair.
Different men get chest hair at different times. Many 13- or 16-year-olds will have some, and for a lot of men their chest hair grows in in their 20s, but most men's body hair doesn't finish growing in until they're in their 30s. You could be completely hairless and then suddenly start growing body hair in your 30s. Not all men develop chest hair, however, but most men have at least some.
None; chest hair and body hair are determined by genetics and age and by nothing else. If the adult men in your family have chest hair, then you probably will get some too--though in many men chest hair doesn't grow in, or grow in fully, until their 30s.
Men sometimes lose chest hair
64% of white men do have chest hair, according to a study quoted by Wikipedia.
It varies quite a bit; some 13-year-old boys will have some chest hair, while some men don't start growing any until they're in their 30s. Men's body hair doesn't finish growing until somewhere in their 30s.
So here's the thing: chest hair is genetically determined. If you look at your father, grandfathers, or uncles, and if they have chest hair, then you might get chest hair, too. If not, then it's less likely. But there's another thing: men continue to develop body hair throughout their 20s and into their 30s. It is entirely possible that a man who has no chair on his chest in his 20s will develop some in his 30s. That said, the fact that you are 28 and have no chest hair so far probably means that you're not going to have much, if any, chest hair--and there is literally nothing that can be done about this. Usually I advise hairy men to be comfortable being hairy and not wax or shave, etc., but in this case I advise you, as a smooth man, to be comfortable being smooth. The fact is that a lot of women (or men, if you are gay) really prefer smooth chests. I say embrace your smooth chest!
sometimes
Like most things to do with puberty it is very variable and indeed some men never do grow any hair on their scrotum. Next time you go to the beach or the swiming baths you might notice that while some men have a thick growth of hair on their chest, some have much less and others have none at all. Of course some men may have shaved their body hair (and some men also shave their pubic hair and scrotal hair) but many men just don't grow any chest hair at all. Every body is different and some guys have much more body hair than others. If you already have pubic hair, and hair by your anus, you might expect to see some hairs growing (even if they are tiny) on your scrotum, if you are going to grow them.
because he like chest hair
It varies dramatically. A few men will have a thick mat of chest hair before they are 18; other men are relatively smooth-chested in their teens and 20s and then develop a lot of chest hair in their 30s. Typically, however, you should have a sense for how hairy your chest will be by the age of 25 or so.
It's a special characteristic 4 men !