I like to think that every attributes to intelligence of a child is learned. Nothing is inbuilt with a child aside from inherited traits that are physically expressed. Don’t get me wrong as intelligence can be passed on too but, it’s never expressed if not developed or built through life, especially at a very young age.
Our environment plays a vital role to the development of a child’s capabilities. If you don’t teach the child or at least show them by means of exemplifying it in your every day practices, they don’t get to learn these things early in life. They might learn it at some point but, it’s something that could be taught to them as well.
Genetically, a child can inherit not only similar physical traits but even similarities in character. But I understand what you're saying — the task of parents is to teach their child the basics of financial literacy, so that from an early age they understand the importance of money. I wanted to say the value of money, but that’s a slightly different concept. It’s necessary for a child to understand from a young age how important it is to be able to manage their finances.
Of course, I’m not talking about a 5-year-old, because they won’t understand any of this. But starting from the age of 14–15, it’s important to explain these things, give them the right books to read, and teach them how to manage their small finances and pocket money. This is very important.
At 14-15 many children already earn their own money) So it is better to start financial discipline earlier, at the age of 8-9 and by this time children already understand the value of money, unless the parents specifically shield the child from it, but then it will result in a very bad experience, like loans for unnecessary things or in the inability to make a simple budget, so that the money went not only for daily expenses, but also remained for investment or other riskier investments, like cryptocurrencies.
In general, it is better not to hide anything from children and honestly tell them about
their mistakes
that you made, so that they at least know that their decisions in their youth, including financial ones, will have a very strong influence on their lives in the future.