When a woman's anus is too constricted for penile penetration and the male must finger her anus in order to relax the sphincter in preparation for anal sex.
When a girl's anus is too constricted for a large erect penis and either the male or female uses their index finger to prepare the ass hole for penile penetration.
That bitch's ass was so tight I had to Marlin spike her before I could fit my cock in that hoe.