Reading over the other answers to this, and looking at your pic of the little hole in your shirt, the damage does look mechanical. With respect, if these items have been around a while and washed many times, it is not unusual for wear to appear along seams.
The little hole pictured looks like a stitch at the neckline, which has ‘run’. Where the stitching holds the fabric, there is naturally some tension – it’s what holds it together. To offset this, re-shaping your clothes whilst they are still damp, i.e. pulling gently into shape, perhaps drying on plastic coathangers, or laid on a dryer might help.
The towels may simply have worn – again, if they are well used and washed frequently. The ‘weave’ of towels is given a lot of wear as we rub and use them. Over time, as the pile gets flattened, the woven threads get exposed to the abrasion (mentioned above by nullo) of other items in the wash… etc.
Seems like proper ‘wear and tear’! Try to keep all the cotton items together, don’t mix with man-made fibres, as these are actually tougher. It may be that the thread used to sew your top is polyester while the shirt itself is cotton… Time will take its’ toll unfortunately! lol