it could be either, Dryness could hit you at any part of the body. Cheap cotton underwear (or worst, non-cotton ones in hot weather of pak) could add on to that situation. Although the scratching is more common amongst the cross section of people who dont believe in wearing undies and going commando cause they are wearing shalwar qameez (like rickshaw drivers, sabzi walas or under cover police)
LOL
UNDER COVER police? they better wear some UNDER garment too