Just the top for me too. My eyelashes are light in color, sparse, but long. And longer on bottom than on top! I can very easily get that spiderey effect Maya mentions.
What's more, it just looks all wrong with the shape of my eyes, which are small and kinda recessed. I think it shrinks my eyes even more and closes them up. Actually I don't like any eye shadow at all - just liner sometimes (top only) and at most a bit of white or other highlighter color on the brow. I've learned through the years that eye shadow somehow shrinks my eyes even more, instead of opening them up.
Also I have pudgy-ish cheeks so my eyelashes will kinda rest funny on my cheeks, especially when I smile. Mascara on lower lashes would give me a weird caterpillar effect, like something is crawling on my cheeks!
I may not apply it right though. I never quite got the knack for the whole mascara thing - I just know I need it on the upper lashes. I have long had trouble with clumping issues, until I found Lash Blast. I love that mascara! You don't need to be an expert to apply it.
DD16 meanwhile has completely different shaped eyes and she loves to do both top and bottom lashes, with interesting liner colors, etc, for most dramatic effect. Her eyes were naturally made for eye makeup!