… during the 1st era of Regency in 1800 Europe & United States. They got chilly in their thin cotton dresses when the wind blew, & they didn’t want to run around in public nearly naked.
These women invented the “chemisette”, or an insert to cover their bosoms for warmth & privacy.
(photos: Greek inspired 1st Era gown with chemisette; 2 oft-found chemisette designs. You can see they are still not much more than wearing a neck tie).