Morphs

Are the different morphs of lizards due to the temperatures used in the incubation process? For example: to develop albino geckos.

No. Wether it is an albino, snow, etc... the eggs need the same temps and humidity. Different species may need different temps and humidity but morphs of the same species are incubated the same.(and if I have anything wrong someone will correct me)

So then how do you come across breeding albinos and what not? Are you just....lucky or can it be planned out?

I believe it's a little of both

Depends on parents

It's an exercise in genetic manipulation and controlled breeding. The first ones are a mutation, different in appearance than the parents. The breeders work with that group and attempt to "fix" the genes involved so that they can be tranmitted to the offspring.

Temperature variances can cause a difference in appearance in some species, striped baby burmese pythons for instance. But the trait is a one off and not transferable so it is not considered a morph.

So let's say I wanted to have albino African Fat-tailed geckos. In order to have albino's, it would have to be a freak accident, a non-planned hatch. And then I could have a chance at breeding albino's with that parent?

The chances of a random albino showing up in a normal paring are astronomical, but it does happen.
If you really want to breed for a given trait you are better off either aquiring a pair that is that morph or a pair that are Het(containing the genes) for producing the desired result.
It gets pretty complicated.

Back to the old drawing board! Maybe I'll invest in an albino African Fat-tailed gecko. How much do you think the Het albinos go for?

It is all genetics.