Small holes in a T-shirt: why they always appear in the same place

T-shirt lies directly over it and constantly rubs against it while sitting or moving, the material can become damaged over time.

It is interesting to hear about the experiences of people who have used a different type of belt and consequently had fewer problems with small holes. However, this is anecdotal evidence and not proof that every case is caused by the belt. (Houzz) PickAccessories

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Even a trouser button can damage the fabric.  
It is not just

the belt buckle that poses a risk. Even a metal button on the waistband can create a small, hard contact surface.

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