People who've had bad tattoos, how did it happen?

I often see people with bad tattoos on here (self-confessed or consensus opinion) and in real life. I'm just wondering how it happens. Everyone's story is going to be different, but I'd love to hear your examples. I currently have no tattoos but I'd only allow myself to get a tattoo from someone whose work I absolutely love and is highly reviewed. Are bad tattoos mostly just a result of impulsivity and going to artists not capable of the kind of work you requested? Does anyone have examples of going to an "elite" artist and getting some crappy work?