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Fingernails: There for protection


In other species, this structure is slightly different - for example, crocodiles have a thimble-shaped structure that covers the whole tip of their digits, whereas hawks and owls have talons, highly recurved claws specialized for prey capture, and horses and cows have hooves that protect their feet.
So, the reason we have fingernails is simply that everyone in our family tree has some sort of digital appendage that probably served to protect fingertips in our distant ancestors, and each group has evolved modifications that best fit their needs for a particular environment. Fingernails in monkeys, apes and humans always cover only one side of the fingertip and thus they protect but don't limit the motion or sensitivity of our fingertips.
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