My wife and several of her friends had the same issue everyone on the internet is talking about
"Tiny holes in my shirts and tops", and it wasn't just caused by rubbing against a counter top or the edge of a desk. Yes, that does speed up the process, but the button tab and hardware on her jeans or pants were doing it with or without rubbing against the counter, desk or a seatbelt.
She tried wearing an apron when in the kitchen and that slowed it down but still didn't solve the problem. The front tuck method I heard talked about will solve the problem IF you're willing to wear your shirts that way. So after searching around for what seemed like forever, she finally found a website with an inexpensive solution...and this site explains everything in total detail and has a guarantee!
The product is called Lickety Klip and it's cheaper than any apron I've ever seen. So when you get tired of ruining your clothes or are sick of getting the "Tiny holes in my shirts and tops" syndrome, you can read all about it at
http://licketyklip.com