It's all in the brain, and how it's developed over our lifetimes. I am very good at figuring out computer and network problems. I always have been, and computers were not really around as such when I was a real youngster, so it's not like I grew up with them until a certain point. I'm just "naturally" able to put a problem into a "physical" space in my head, look at all the variables, and draw logic lines.
At the same time, I'm terrible with emotions or illogical aspects of the world. I have no aptitude for it, and if I even want to pretend, I have to work really hard at it.
Drumming and music, I'm somewhat in the middle. I seemed to have some aptitude for rhythms and what we call "feel" around here, but the act of drumming itself is very difficult. It challenges my brain in ways that literally nothing else has ever done, and in turn, I'm inspired to learn more and develop even stronger neural pathways.
Also, if you're dumb, you're gonna have a bad time. I think we can all agree that general intelligence is something you're born with as far as where you can take it. The most intelligent people I know are also the most flexible and can appear to have more "natural talent" at something compared to someone who isn't as intelligent, even if they've both never done whatever it is before in their lives.
I don't think there's a black and white answer. I do think that the concept of natural ability at something specific is real. I mean, is everyone born intelligent, or are some people just more naturally stupid?