Exo Skeleton. Without an internal structure to overtly disrupt a blunt force has to put enough pressure on a both sides of the exoskeleton to break the structural integrity. Your hand has fat as well as your body. Somewhat fatty hand strikes insect perched on somewhat more fatty skin location and you do not get uniform pressure to break the carapace. Now you may have done internal damage that ultimately will kill the creature but like a gut wound that is going to take time. Note that you can kill or disrupt an insect on your neck much easier than on on the fleshy part of your arm. If the bug is on your outer forearm you are much more likely to disable or kill it with a strike from the palm.
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