Audio is being generated and the BT device is prioritizing it by changing its internal mixer settings. Same as audio prompts over music in a car. This could be mitigated by detecting silence in the audio stream but this is anti-consumer behavior that needlessly drains batteries with excess transceiver activity.
The cheap hearing aid cost $750 for one and is substantially the same as the same thing sold from standalone audiologists for much more. These are not cheap over the counter devices.
Charging only happens while in the cradle, not while worn.