There's nothing to be afraid of at all. You're an adult woman. Nothing you're doing, at least in regards to touching yourself, is bad. Not at all. I'd submit to you that everyone on the face of this planet has at least once, whether they admit it or not. Heck, babies will touch themselves while still in the womb. Provided that is what you're talking about being "bad," please don't beat yourself up about it. You're perfectly normal.