Funny, but my parents aren't very good with money (and neither is my brother), but I'm very serious about it. I'm adopted, so genetics could play a pretty big part of this. However, having said that, it doesn't seem like certain types are uniquely better - more than they react to different environments differently. I'd probably be bad with money if my parents were the exact opposite as me - if they had been good with money, I'd probably never of taken an interest in it... and if my brother was brought up with different (responsible ) parents, he'd probably be different too.Guess which one of us came from a household where things were bought on a budget and no one lived above their means and which one of us came from a household where dad held down two jobs so they could "keep up with the Jones'" - never having a spare dime to their name?
But yah, as you say, money habits are very much related to your upbringing... and at the macro level, that includes culture and such.