I must admit the "Music" (and yes sometimes that is a very loose term) is kind of loud reference to teh dialog.. I could make a joke as to why (Bad microphones) but alas that's not it.
I do recall one movie I watched (Ladyhawke) where the music was rather good.. but it was recorded at Abby Road Studios.. if you know which recording studio that is you might know why the music was good.
I am used to hearing voice under noise so it does not bother me much.
It says that broadcast commercials must be no louder than the surrounding programming.
Instead of reducing the commercial volumes, broadcasters and cable channels took the easy way out ... instead of letting the dialog be louder than the music or background sounds, they squash everything together to a constant din so the commercials will match that level no matter if you're transitioning from a quiet forest scene or from a loud shouting match into the commercial.