In The Matrix, Trinity and Neo have a quiet discussion right next to speakers blasting four billion decibels of Rob Zombie.
Warner Bros. Pictures
What's your name again!? What? Sorry, did you say, 'DIG THROUGH THE DITCHES AND BURN THROUGH THE WITCHES?'"
But In Reality ...
The deafeningly loud music you hear in clubs doesn't make it impossible to talk by accident; it's the whole point. Club owners deliberately turn up the volume to stifle conversation because, exposition or otherwise, time spent talking is time not spent buying overpriced drinks.