Same Problem, New mac book pro 14-inch M1 Pro Monterey 12.4. I upgraded from a 2015 Mac book pro 13 inches where I never had this problem. Speakers of the new Mac are excellent but the crackling is unsupportable. Some of my observations:
I put the mac to sleep and rarely restart it. After restart, the problem goes away for some time but then comes back
I noticed the crackling in the Spotify app and youtube videos played in Safari
I use Teams MS for work and can't get rid of it but it does help when I quit it. Crackling comes back almost immediately when the Teams app is restarted.
I used Teams on my old mac and have never had this problem, but it is true that I really listened to music without headphones because the speakers were just not that good.