Dry rag is quite a good insulator for the same reasons other insulators are. There are very few 'loose' electrons.
This of course, ceases to be the case if wet.
A dry rag has quite a bit of air trapped in its structure, and air is an insulator of heat. Replace the air with water, which conducts heat much better than air does, and the heat conductivity will be greatly increased.
insulator
It is an insulator.
its an insulator
insulator.
Insulator
Insulator
Insulator
insulator
itβs a insulator
an insulator
Rubber is an insulator for normal voltages.