I have tons of examples of code where I did the simplest thing to solve the problem. Then later needed a change. I could refactor the entire thing to add this change or just hack in the change. Refactoring the entire thing takes more work than the hack so hack it is unless I forsee this is going to matter later. Usually it doesn't

That’s just anecdote, just like mine. Even simple lack of experience or lack of skills can cause that (which were definitely in my case). Also, I’m quite sure that a terrific coder can create maintainable code faster than an average one bad code. That’s why I asked some statistical data about that.