Your phrasing begs the question, for something to be discounted it has to exist. That's the debate, I and most contemporary philosophers to consider the subject

Your phrasing begs the question, for something to be discounted it has to exist. That's the debate, I and most contemporary philosophers to consider the subject think most of our talents are unearned. That might conflict with the psychological and ideological stories we tell to comfort ourselves and justify the domination of the poor, but I think it's very likely that the strong or weak version of the thesis is true. As I said in my original post, talents also only confer earning power relative to the particular configuration of supply and demand during our working life - over which, clearly, we have no control.