No, this is no hardware issue. We all have the same issues.
The reason is somewhat simple: there is no collision between cloth items!
An outer layer does not press down the inner layer, like in the real world.
The inner layer will simply stick through the outer layer like it isn't there.
Therefore, it is a balancing act to get layered clothing work somewhat correctly together.
It is not perfect and we have to take this into account when we create clothes or dress up the figures.
If the clothes would have collision to clothes, this would be an enormous additional workload and performance killer. I bet this would also lead to much more physics explosions like we allready have.
When the clothes system was new, we asked MeshedVR about this. His answer: "No way!"