Thanks for sharing your thoughts. In my opinion if you spend money while intentionally trying to learn or improve your life then it can be referred to as a process. However, if you spend money recklessly or unconsciously and just hope for good things to happen then it can be referred to as an accident.
However, being gifted wealth on a platter is a shortcut that can ruin one's learning process when it comes to money, people do not need shortcuts.
It's a bit different though when people inherit money or win a lottery they are already rich so they don't have to start from scratch. They're already accustomed to the concept of money and because of this they can quickly grasp what it takes to run a successful business.