I've never been a fan of Michael Bay's movies, but I've never thought of him as a bad person.
Pain and Gain is a bad movie made by a bad person who operates under the assumption that his audience is full of bad people who enjoy laughing at other bad people.
Pain and Gain is a bad movie because it's a thuddingly unfunny comedy. Not one funny thing happens during its entire run time, and I didn't so much as grin from the opening credits to the close. Pain and Gain was made by a bad person because only a bad person thinks that a true story of kidnapping, torture, and multiple murder can be played for laughs. This bad person assumes that his audience is full of bad people because it is, simply, wrong to laugh at stupid people for being stupid: they can't help it.
Here's the story: Mark Wahlberg, Dwayne Johnson, and Anthony Mackie are stupid bodybuilders who, motivated by a stupid get-rich-quick schemer, go in on a stupid plan to kidnap and torture a rich guy until he gives them his money.
Yes, there's some commentary on materialism and confusion between wealth and happiness, but it's slight. Mostly, the film serves as an opportunity for its audience to spend ninety minutes feeling superior to a bunch of morons.
You know who finds that entertaining? Bad people. I regret reneging on my resolution never to see another Michael Bay movie. Bad decision.