The most frequent reason for small holes in t-shirts isn’t moths or silverfish — it’s simple, mechanical wear.
Tiny abrasions happen where fabric rubs against metal parts of jeans (like belt buckles, zippers, or buttons) or rough countertop edges.
This kind of friction weakens the cotton fibers, and after a few washes, they give way, forming small, round holes.
If the holes always appear near your belly or lower front — friction is almost always the cause.