It doesn’t look dangerous.
But it’s hard, raised, and constantly pressing against soft fabric.
When you sit, bend, drive, or lean forward, your shirt can become trapped between the button and another surface.
That creates repeated abrasion in precisely the same area.
This also explains why one person can experience the problem while another person wearing similar shirts doesn’t.
Their daily movements and clothing may create different pressure points.
Why Does the Washing Machine Get Blamed?
Because that’s often when you notice the hole.
A shirt may already have weakened