feynman1 said:
how to draw those lines by hand or intuition?
Aren't those identical in this application? If you want to use 'intuition', that implies you have some, perhaps unconscious, idea of what is going on. The typical way to gain this 'intuition' is by examining many instances of a phenomina and drawing conclusions as to how various factors affect the result.
Anyhow, stress concentrations occur where forces are either applied or forced to change direction.
For instance if you have a sheet of plastic and you apply a uniform bending force along an edge, that will be the origin of stress, with the stress lines distributed and radiating from the edge.
If you apply the same force at a point along an edge, all that stress will be at the point of application, and the stress lines will originate there.
You get a similar result where a force is redirected due to non-uniformity in the material. If you cut a diamond shaped hole in the sheet of plastic, you will see concentration of stress especially at the corners, and less so, but still significant, along the straight edges of the hole.
Your intial question reminds me of an old saying: "How do you describe color to a blind person?" I have yet to hear a satisfactory answer.
Get some polarizing material, some clear plastic, a light source and play with it.
Cheers,
Tom