It's because
hard drives are finicky, analog beasts: they use magnetism to store data, and over time either the magnetism weakens, or it's disrupted by -- I kid you not! -- cosmic rays, or the aluminum platter on which the magnetic charge is stored developers a barely perceptible fault. This is why backups are so critical.
It's nothing specific about music files either; my parents lost several hundred photos of their grandkids a couple of years back because of random hard disk corruption. Trust me, if your music is becoming corrupted, then so are other files. You just don't know it yet because you don't access the other files as often.
And just to be clear: optical media (CDs and DVDs) fail too. All the time! Usually it's because the aluminum under the clear plastic layer has begun to oxidize due to tiny holes in the plastic. Commercially-burned media are safer, but I've even had DVDs I owned less than a year, without a single scratch, spontaneously go bad.
A program called
DiskWarrior can be a great help getting files back, but at $99, it's pricey. Worth it, in my opinion, but get yourself an external backup drive first. It costs about the same, $99 or so.