Talent is something that cannot be taught. It's also very nebulous and subjective.
Music theory and technique is something that can be taught.
Most people cannot develop their inborn talent to it's full potential without putting the time in to learn theory and technique.
When I worked in the cruise ship in the duo lounge, I met and heard a lot of musicians in the orchestra. Most of them came out of music school and where playing their first paying gigs.
I heard players who could play well, but played what I hear as empty notes. Good technicians but without what I consider talent. I heard other players with the same schooling that were musical monsters. Tons of what I call talent. But the majority were good players, in between the extremes.
If you do it enough, you find out if you are good enough. But education, repetition and experience are all great teachers, learn from all of them.
I remember the first time I learned a song by ear. It was a sax break in a popular rock song of my big sisters era. I picked out each note, one at a time, it took a long time. Fast forward many decades later and I can play along with most melodies and the ever diminishing sax solos without that struggle. On the guitar, most simple songs are easy to figure out the changes. In both cases, it's a matter of I've done so many similar things, that I know where to go next. Learning theory helps a lot with this because understanding the 'rules' lets know know where the logical next steps are.
I learned theory and technique in school, I learned further 'non-classical' technique from other musicians, and playing music daily including gigging for a living gave me the repetition and experience.
I was on the road with an organ player. He started on piano when he was very young, and at the time B3 organs were the rock instrument of choice. You could give him a melody, and not only could he come up with chords on the spot, but he could come up with a few very different sounding chord accompaniments.
He also played pipe organ in a church, and I saw where he got that experience. The music books he played from had nothing but melodies in them. Some former organists penciled in chords, other organists put in additional chords, and some song had no chords penciled in. It was music theory, experience, and repetition at this particular skill.
As said in many posts, there is no short cut, you have to put in the time and effort, but the rewards are great. Celebrate each accomplishment. It's something you couldn't do before.
And remember, music is not a destination, it's a journey. We can live to be 120, play music every day, and there will still be something we could learn if only we could live to 121, or 122, or 130 and so on. Take the scenic route and enjoy the ride.
Insights and incites by Notes