Help with Cloth Simulation - Prevent cloth from entering another body

I am trying to create a cloth simulation on a human body. I created a shirt and I am trying to see the pattern of folds and how it drapes on a human. I applied cloth modifier to the shirt and collision modifier to the human. The simulation seems just fine, but here is the problem. The shirt starts entering into the human body and develops some weird folds and sharp features. Can someone tell me how to avoid such intersection of cloth and the body. I don’t want to do a shrink wrap but want to simulate a realistic shirt on a human.
Is parenting the cloth to the human body important over here?

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