Right, but that risk exists with other things. One could also set the volume on their speaker or stereo too loud and do further damage, yet I have not seen posts cautioning us to never play music. Or their TV. TVs can be turned up quite loud, I've always wondered why such high volumes were even needed. Which reminds me of headphones sold by audiologists specifically for individuals with hearing loss to better watch TV.I do believe maskers are 'safer' than earphones because an audiologist can set the volume at a safe level and you cannot adjust it yourself.
There is always the risk that one sets their earphone volume too high and does further damage to their ears.
Volume can be adjusted on some maskers and hearing aids. I spoke with an audiologist regarding one and he cautioned that I would need to remember to adjust the volume back to a lower setting. Now of course the maximum output on a hearing aid is far lower than the maximum volume of a hearing aid, but some phones allow us to lock the volume -- which helps ensure it does not even accidentally reach too high of volume. Some headphones also have this functionality. My kids both have headphones with a safe max decibel range.
Editing to add: And to clarify regarding headphones and earbuds, I'm not interested in their use in regards to playing music, but in terms of using an earbud with white noise -- which is exactly what multiple audiologists (who have tinnitus) have said is safe at low volumes.