Touches of this kind are associated with sex, and sex (of a certain type) leads to reproduction, and our evolutionary background has stongly inclined us to reproduce.
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because its a very sensitive area, once it gets stimulated it feels good, once it gets over stimulated you have an orgasm and after that ur private area because extremely sensitive so pleasing it more will either hurt or feel alot better, as for females, after their orgasm their nipples are extremely sensitive, depending on the type of female she is, she will either hate being touched cause it hurts, or ask of the male to pleasure them cause she likes it.
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The pleasure of being touched in private areas is primarily due to a concentration of nerve endings in those regions, sensitizing them to physical stimulation. This can trigger a release of feel-good hormones like endorphins and oxytocin in the brain, leading to pleasurable sensations and a sense of intimacy. Additionally, societal factors and personal preferences can also contribute to why such touch is perceived as pleasurable.