The term 'irritates by rubbing' can be summarized by the crossword solution 'chafes, ' which is a six-letter word. Chafing is a condition that occurs when skin rubs against skin or clothing, causing irritation and discomfort. It is often caused by friction from tight clothing, repetitive motions, or skin-on-skin contact. Chafing can be prevented by wearing loose-fitting clothing and using lubricants to reduce friction.