For a male, and all the males just fill their eyes and lust. Their eyes must be quenched and that's it.
So when you see the naked women in streets, you don't appreciate your own wife. You don't because you've seen much better than her.
So Allah Says: "Look O man, lower your gaze as well."
It's no excuse. Even if they are doing that (exposed), lower your gaze, so you have a woman (in front of you) with respect you speak to her.