Nipple chafe?

I am a bustier woman and have noticed that if I go without a bra for longer than 4 hours, my nipples are in terrible pain. It doesn’t matter if I’m wearing a t shirt or a tank top, what the material of the shirt is, if it’s not designed to offer any support, my nipples will guaranteed be a brighter red, extremely sensitive and painful. It feels like chafe! Does anyone else have this issue? Solutions that aren’t “just put on a bra?” I do wear a bra most of the time but I have lazy days at home and bras get uncomfortable after a while. Bralettes never fit ever either and my boobs fall out of them anyways.