Where Do Gifts and Talents Lie

Are most people born with a gift or talent that they possess and have to birth that thing into existence?

Are most people walking into their gift God has already given them?

Are most people never discovering what their gifts or talents are--just existing?

Are most people discovering their talents too late?

Are most people in a position to change their path because they are not successful and has to be more to life itself?

Share your thoughts. What is your scenario?