Hi there. Just to clarify, we aren't Doctors. Just people helping others
Masterbation should not cause hair loss. Unless you pull your pubic hair out during play.
Furthermore only you can decide not to cause yourself pain. Think about weather you feel guilt or shame.
Trust me. Exploring your body is a very natural & healthy thing to do, in my view. Be gentle. Take care of yourself. Learn about your sexuality. Maxy