Hearing loss

Yes depends on how loud you play your music even when you use your speakers. Loud like a rock concert. Would also cause hearing loss.

Age is the biggest factor.

Yes, you can mistreat your ears, but age comes for us all.

I actually find that using noise blocking IEM's reduces how loudly I play music, by the way.  Of course you always have the club kid in the subway playing music so loud everyone can hear it, but for everyone else, noise blocking is the way to go. :)

They might have to rename this place Audio-Gone.

As with everything in life, moderation is key.  IMHO and IME, if you have good quality headphones and upstream components you don’t need to crank the sound as much to hear what’s going on in the music.  FWIW.