"This is particularly important for kids, who may not realize that the volume level is harmful. Thus, if you or your kids listen to a lot of music with headphones on from an iPhone, iPod touch, or iPad, you may want to consider setting a maximum volume limit for the Music app."
You're absolutely right. A lot of loud music listening can cause hearing loss down the road. Ard and I both know how that goes. Hearing aids are very expensive. Two good quality aids can on average run $4,000 to $7,000. Turn the music down!