Good points - emotional relationships to money get in the way far too often - maybe most of the time for some people. Greed, jealousy, fear move people away from good decisions. They may know what the right course would be but emotions and a lack of critical thinking about a subject cause them to obscure the better path and justify the one they want.
That makes me think the basis for a positive relationship with money would need to be formed at an early age creating the foundation for subject specific education later
I don't think blaming emotions, in and of themselves, really gets to the root of the issue. I'd be lying if I didn't admit that a lot of my financial decisions are driven by fear - fear of growing old and not having adequate retirement savings, fear of not meeting monthly expenses, fear of financial emergencies, etc. - but the decisions that result are also very sound. I've got WELL above average retirement savings, no debt but a mortgage (which is on a modest house well within my means), college funds for my kids, and a credit score ~800. For me, fear is GOOD, and has resulted in prudent choices.
What I've got that others (for example, several family members who earn much more but spend it all and have large debt) lack is a healthy dose of self-discipline. This seems to separate the savers from the spenders. For example, my car is 16 years old, and I've wanted to get something newer for many years. I can't justify it to myself, however, because it still runs fine and ultimately, I don't want to pay for higher insurance, property taxes, and a car payment. I try to always keep my focus on the long-term picture.