Actually...
No talk about rats and how similar we are to them today, just one word. Amygdala.
The bigger it is the easier it is to earn and manage money. And we know what makes it grow. So, to whatever degree that part of the brain matters, it can be taught. Even self-taught.
I can only judge on what's placed in front of me. And the people who were broke and crap with money decades ago are still broke and crap with money now despite at various points earning vastly more than I ever did.
They pay lip service to sorting their shit out and then go and shit all over that. I've genuinely never known anyone who broke out of that behaviour.