Its something that has been debated a good few times on here and in other places. its complex, multifactorial and there is no conseusus
IMO its all to do with heat or lack of it. disc brakes work by depositing a layer of pad material on the disc and thus you get a boundary layer effect of adherent friction not abrasive friction. remove this boundary layer faster than it can form you get the very rapid wear as the brakes go into abrasive friction not adherent ( its actually always a mix of the two)
Brakes need to be at hundreds of degrees C to work properly
So - to prevent it you need to get and keep the pads and disc hotter or only use the brake hard so its hot. So fast riders who only use the brakes occasionally but when they do its a hard stop don't get the wear, real mincers who drag the brakes don't - cos in both cases the brakes are only used when they are hot
Average rider who in these conditions us the brakes gently a bit do - cos the discs never get hot.
smaller disc, sintered pads, use the brakes hard.
Its not just the local grit as where ever some folk get the rapid wear others do not
We get fantastic life out of the tandem brakes - cos they get worked really hard with all the weight so the pads and disc get a nice baking every ride.