I went to Gunnison today, As I was getting out of the car, another car pulled up to me and a man got out. He was wearing only two triangles of cloth covering the rear and crotch and attached to a narrow waistband. I asked him if he bought it or made it. He said he took an old t-shirt, cut off the bottom and pulled a thin elastic strip through the bottom hem. He then opened the sides and cut away as much as possible without causing indecent exposure. When you are done, you are (just) adequately covered yet completely hanging free underneath.
By the way, even with such minimal coverage he took it off as soon as he was out of sight of the road.
I didn't think of it at the time, but this is really a 2 for 1, since the top of the shirt can be worn as a cropped top when you have to wear a shirt but don't want to.

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