News flash: concerts are loud. This is a new thing, since about 1961. The philosophy here is CAVEAT EMPTOR. Don't buy tickets to a concert if you don't like loud music.
It is NOT OK to expect a band or venue to "turn down" because it's too loud for you. It is up to the listener to determine what is needed at the show, i.e. - earplugs. I wear them at all shows, big and small, whether I'm playing or listening.
It's really sad that the idea of filing lawsuits against venues for loud music is even mentioned. This is where our society is now. Everyone thinks they are special, and everything should be adjusted to their desires. The moment someone doesn't like something, they call a lawyer.
My recommendation is that, in lieu of live music shows, you should check out some Carpenters albums at your local record store. You can play them at home, at your desired volume, and no lawsuits will be necessary.