I can distinguish the difference between "in" and "on", if it is very clear to do so.
But there are things that people don't know if they use them with "in" or "on".
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Paronychia: An infection of the tissue folds around the nails.
Either can technically be correct as the tissue folds, while implying “inside” the folds, are on the outside of the finger, not in the interstitial tissues
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Searching Google book for "paronychia in the finger", I have 3 hits but for "paronychia on the finger", I have just 1 hit.
Is it correct to say "I have paronychia in my finger" or "I have paronychia on my finger"?
(Source)