Not just money, but I believe that success in most things is streamlined when you have experience. Experience combines your mistakes and lessons and helps give you a better understanding of money, your spending and expenditure, and also helps you better navigate your way through similar situations or money making decisions in the future. Like you said, the different experiences with money gives us our individual definitions of it and shapes our attitude towards it.
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Yeah, I think money is one of those commodities in life that we can individually define different without getting it wrong. This is because each of our definition is coin in our experiences, irrespective of the fact that we need theoretical knowledge, if we don't experience the art of spending, we might just never know what money truly is.