I can run badly engineered songs on my expensive monitors and they don't blow.
Badly engineered is one thing, run a badly distorted full frequency burst and up your gain to 100% on your inputs and Amp
But that does not apply here. Apple designed, or at least was supposed to design, the entire circuit to work together (amplifier and speaker). This should have included protection for the speakers, which are needed for class D amps during turn on. These same protections should also protect the speaker against large signals. These protection are build into amplifier chips these days, but they don't have to be used or they can be used incorrectly. Or if one is worried about cost the protections can be ignored.
Here is the thing. Computer engineers are not audio engineers, so my guess is that the circuit was not designed by someone who knew what they were doing, or else this would not be happening. It's a simple design calculation and a few components to prevent the problem. Something one would expect on a high end laptop.
If its happening only on this particular App, I would assume that Premier is using its own audio driver (or something of that nature) which is for some reason bypassing the "normal" amplifier limit and/or upping the preamp on the mic input to obscene, far above the stock levels probably causing some kind of feedback loop (hence the reason turning the mic off "solves" the issue).
Distortion kills speakers espessially ones with tiny coils almost as fast as an amp thats too big. I've worked in enough venues to know that despite even circuit protections, limiters, proper amp matching etc.. That there is always one DJ who can manage to blow a few speakers by redlining everything for a short while.
IMHO in this instance Adobe appears to be that DJ