Yes, that's the difference in the actions or thoughts of rich and poor people when they have money, you've explained everything OP and the trigger lies in a different mindset, I'm sure education and environment influence it, rich people have better education about money which makes them know how to manage money and spend it properly, rich people use money as a tool to achieve goals by using it for something that can grow, while poor people use money as a goal in itself such as to buy everything they want without thinking whether it can provide a return or not.

Basically, education and understanding given by parents can indeed cause significant differences in thinking and perspectives on money for a child, but there are also people who grow up in poor environments who can become rich, usually they are people who dare to get out of their comfort zone, dare to take risks and build many relationships, sometimes hanging out with rich people is important.