Headphone volume creeps up over time. You start at a reasonable level, then gradually increase it to compensate for ambient noise, distraction, or just habit. Before you realize it, you're listening at levels that damage your hearing. The damage is permanent and often goes unnoticed until it's too late.
Your phone has built-in settings designed to prevent this. Both Apple and Google included hearing protection features that either cap volume automatically or alert you when you're pushing into dangerous territory. Many people never actually find these settings because they're buried in menus designed for accessibility.