I believe that at least 50% in innate ability lies in mental attitude and confidence. Mind over matter is a real phenomenon. Having great natural balance, speed, and coordination is also a nice gift. It can fuel the mental attitude and confidence and vice versa, having to guts to try things develops strength and coordination. However, the two (attitude and physical ability) can influence each other, but are mutually exclusive at the highest level.
Guts does have a lot to do with it, fear can stop a person from learning just about anything.