The OS doesn't have more information about this than applications and it's not that obvious whether an application wants the OS to fuck around with the audio input it sees. Even in the applications where this might be the obvious default behavior, you're wrong - since most listeners don't use loudspeakers at all, and this is not a problem when they wear headphones. And detecting that (also, is the input a microphone at all?) is not straightforward.
Not all audio applications are phone calls.