Blu-ray audio confussion

Everytime i watch a blu-ray dvd on my sony blu-ray player the sound is like real low...ok for example the talking, whispering, conversations are lower then lets say the action scenes/explosions...i have standard speakers no surround sound is this supposed to be like this and if i did buy a surround sound system would it improve the talking whispering on movies where i can hear it better cause the louder i turn the volume up it doesn't really improve the talking whispering part but it makes the action scenes/explosions much louder and i can barely stand it so i usually have to watch a blu-ray dvd with subtitles on to be able to understand everything they say