It's not that expensive if you have an actual income and job, I payed $80 per hour and that's really not that bad, overall my tattoo coated $540 but it really didn't take long to save up for it. Prices also vary for what you're wanting, due to design and size, I have a big chest piece which is why I payed more. Getting a small tattoo is generally around $50-$250 but can get pricey depending on detail.
This thread asked for my opinion; the data you shared reinforces my opinion on the matter. We simply value tattoos differently.
Ignore the tattoo part for a moment; just insert
anything that costs that much and cannot be resold. Now compare that with a tattoo that costs the same amount. For example, $50 on top of one's usual food budget easily pays for a high end dining experience for one, and a good dining experience for two. At a fast food restaurant, its feeding four full grown adults. Now bring in the stuff you
can resell, so that if you change your mind or just stop enjoying it, you might get some of that investment back.
It doesn't mean one has to lack "an actual income and job" for the prices you cited to seem to expensive. Sure in my personal case it is true, but it would also be true of some well off people I know, because they too just don't value ink like you do.
That's like saying because you can get in a car wreck you shouldn't get in a car or go near a cliff because you could fall off it. Both are as unpredictable as injuries.
No, it isn't.
If you're not dead, then you're going to age eventually, and how aging will affect one's tattoos in the future is a valid concern. By the time you're middle aged, even sheltered people are going to have their scars. Some of us also develop other health issues down the road. It is all relevant, especially because the tattoo is... a tattoo: ornamentation of the skin. You can actually be involved in a car wreck without being inside one of the vehicles involved, and most of us don't have a car just to "look" cool.
Your cliff analogy actually isn't bad... it just doesn't end the discussion. Some folks do
not enjoy going near cliffs because the risk of falling isn't worth the view. Some folks have no qualms about going right up to the edge for a breathtaking experience. Most folks are somewhere in between. So getting back to tattoos, it helps to realize where you're at. After all, some people do fall off cliffs, even when just on vacation.
Edit: In the interest of balancing out what I said, and some folks miss out on great views.