Why do you doubt stress and workload?
Because there is no study showing any causality between stress and T/H. Correlation is obvious, but causality, not so much. Stress makes it harder to cope with T for obvious reasons, but I've never seen it proven as a predictor. It's also quite difficult to establish as a predictor since everyone lives stressful lives these days. When was the last time you heard anybody tell you "yeah my life's not stressful at all - it's all peachy - I'm so relaxed".
There are, on the other hand, tons of scientific evidence linking pathologies in hearing to T/H. A very common study process is to induce T to guinea pigs through an acoustic trauma causing hearing loss. It works remarkably well.