No such thing as a dumb question! 😁. When flying in particular as a male on a business trip wearing a white dress shirt, attaching the napkin to the second-from-top button (tie flung over shoulder if wearing one) offers protection like nothing else. The elimination of the buttonhole seems a combination of two factors 10+ years old 1) business casual attire trends and 2) the sad demise of “back in the day” upgrades generally earned only by business travelers with lots of BIS flying (especially on classic-Continental given the generous free-upgrade benefit relative to classic-United).