Ah. I see. Well, I think the answer is of the nature/nurture variety, if we can define “nurture” very broadly as life experience, as opposed to inborn traits. This would include not only the example and precept of others but also the ability to profit from experience and assimilate life lessons in such a way that they can be turned into accessible and even usable understanding.
And that second ability, the ability to profit (etc.)—mightn’t that be another inborn trait, one that is as independent of intelligence as eye color? It might be sort of like an intellectual enzyme that enables you to process incoming information and experience in a certain way. Without it, you may stockpile knowledge but you are not truly gaining wisdom.
Just theorizing here. Feel free to take and run or just toss.