Turns out we’re both right. Another important improvement in the sport.
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Removing a shirt in football is banned (results in a yellow card) primarily to prevent excessive time-wasting, avoid offensive displays (cultural/political/personal messages), stop sponsor-hiding, and maintain order/decorum as it's deemed "unsportsmanlike" behavior, a rule formalized by IFAB in 2004. It's considered an "excessive celebration" that disrupts the game's flow and can provoke opponents.