Perhaps some definition of terms is in order. A cyclist, when fitting a frame, will measure from the floor to the crotch area, and do so either in shoes or not and in shorts or not, depending on his preference and fitter. However, the measurement will be from the floor to the crotch.
The OP is new to cycling and I was talking to him, trying to provide an explanation of why the bike might not be the best fit. If you ask any man-on-the-street what his inseam is, he'll tell you what size pants he wears, not the measurement from the floor to his crotch. I was using this vernacular to talk to the OP.
I am 6' 3" tall and wear 32" inseam trousers. My bike has a horizontal top tube. The seat tube is 24" with a stand-over height of 34". In my era, that was a proper fit. In today's era, with sloping or V-shaped top tubes, radically extended seat posts, who is to say that standover height is even a concern, rather obviating the seat tube dimension.