The answer to 'why is my electrical panel hot to touch' is that an overheated electrical panel is often a sign of a serious electrical issue that requires immediate attention. The panel may be hot due to overloaded circuits, loose connections, or a malfunctioning breaker that is allowing too much current to flow. This can be a fire hazard and should not be ignored.
If your electrical panel feels unusually hot to the touch, you should shut off the main breaker immediately and call a licensed electrician to inspect the panel and diagnose the problem. Attempting to troubleshoot or repair an overheated panel yourself can be extremely dangerous and is not recommended for homeowners.