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.
Rich people think in terms of systems, not luxuries at all. You know they don't see money only as a tool to spend for the moment, but as a tool to generate more. They see problems as opportunities and take calculated risks, while the weak minded fear change & cling to short term security
Financial literacy & environment also play a role. Early exposure to money concepts (saving, reinvesting, budgeting) firmly establishes long term habits. But real change also requires mental resilience. most of the model school are now teaching contingency thinking and adaptability, preparing students for real world financial shocks
Yes, upbringing is important, but what sets many apart is the willingness to learn, take risks, & build system. Even people from less privileged backgrounds can break this pattern by choosing education, stepping out of their comfort zones & surrounding themselves with forward thinking people