Lotion has not caused this...reading on internet has caused this. The lotion is not even absorbed on the body. Finesteride lotion is a total hoax. If you keep reading about all medications, you can never treat yourself. Do you know paracetamol has cause death due to drug reaction, does that mean you will never take it for fever.
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You may be suffering from androgenic alopecia which is also called as pattern baldness. The hairs start reducing in density at the crown (top) and also the hairline starts receeding from the front. This is usually progressive throughout life unless treated. It is usually accompanied by severe dandruff which we call seborrhoea. The FDA approved treatment for this condition is a lotion and tablets. No oil or cream will magically work because the hairs are getting miniaturised and eventually disappearing due to the hormonal effects of DHT on the hair roots. Please call me or contact me with photos using online consult option for proper examination and treatment. Do not start treatment without consulting. I can give guidance and then you can continue treatment on your own.