I don’t drink much wine or beer, but I know plenty of people who do drink far more, and they’ve experienced this, though for a variety of reasons.
First, the homebrewing friends. In this case, it’s a tossup of cheap corks, improper sanitation, poor storage, lack of space with temperature control, and a plethora of other point failures. In these cases, skunky beer and corked wine are probably the least of their worries, but it’s not exactly uncommon.
For more commercial operations, there’s a lot of talk about how clear bottles, excessive sunlight or heat exposure, and a list of other problems can turn otherwise fine beer into a sub-par shadow of itself. If you buy darker bottles (anecdotally) or non-transparent mediums and otherwise manage safe-storage, you’re apparently unlikely to ever experience the problem unless…
Yeah, your palate can contribute as well. Now 3-4 years back, a friend was visiting from out of state for a vacation, and we bought a six pack of a moderately expensive Japanese beer he liked. He drank it all, but complained that it tasted off, or skunky, or just wrong. And the next time he visited a couple of months later, we got him something else, yet the same occurred.
Turns out, the new high altitude meds he was taking for the visit (going from below 1k feet up to us at 6k had become very rough on him without them) had this as a known side effect! So anything carbonated (excluding various nitro options) had an off taste from them on. And I’m sure there’s a number of other scenarios given the wide ranging biology of humans that could cause similar issues, be it temporary or otherwise.
As for corking, since so many wines and other beverages are now sealed with artificial corks (even quite good ones) I hear that problem is far less common, and even before that, it was often an issue with proper storage / temperature / rotation.