Hearing is definitely a factor - she's refusing to get tested. That said, I'm noticing it a bit as well - characters are mumbling, then suddenly BOOM! music and gunfire at max volume.
I had a 7.1 receiver before and messed with it constantly, never to her satisfaction. Gave up and got a soundbar with the newest TV...still, not getting the sound mix she or I really want.
I'll chalk it up to getting old. That, or having 5.1 surround squished down into a soundbar...