It probably doesn’t feel good if you aren’t creating a lubricant from the fluids that make you “wet.” The first time I masturbated, it was not comfortable at all, because of the fact I just tried doing it without getting myself aroused. What I do is, (yes I know this might be weird for some people) I go to a porn website and watch other people do it and that gets me pretty aroused. Then I rub the clitoris and then slowly enter my fingers so it doesn’t hurt. And it also depends on the speed you are fingering yourself at, and what position your finger(s) are/is in.
Probably because most of them aren't even girls, they're men getting on here and acting stupid. They get their jollies by pretending they're girls and talking to underage girls like us. I think it's funny.
Why would you want to stop? I love it. And don't let anybody tell you you're too young to touch yourself. That's stupid. I'm 13 and I do it a lot. Almost everyday.