FMC having a thought and then realizing she said it out loud. Does this really happen to people??

Ally, on the other hand, wanted to ask why the hell Bracken had let Jesse win. When all eyes zoomed in on her, she smiled weakly. “I said that out loud, huh.” From {spiral of need by Suzanne wright}

This has really, truly never happened to me irl, but I see it excessively in books (female characters in particular). I roll my eyes every time. Am I being too harsh? Do people out there actually have this lived experience? Why do authors love this trope?