Do you get annoyed at people for listening to music without headphones on public transport?

I get the train to work and it's about a 45 minute ride there and back.

I always bring my headphones.

I don't know why some people can't be bothered to buy a pair of headphones like most people.

I find it rude,. especially when they talk on their mobile for the whole ride.

The other day I could hear a lady having a conversation over the music in my headphones.

I asked her to put her headphones on, she said she doesn't have any and I replied, well you should get some.

I don't understand how they don't realize it annoys other people.

Do you find this annoying?

Do you get annoyed at people for listening to music without headphones on public transport?
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