Can someone not formally trained develop that? Obviously yes. But it’s way harder if you have no basic grounding/instruction, and it almost never happens with people who also never learn an instrument. Interesting experiment: ask your friends, “Why do you like this music?” They will talk about fashion, style, the beat, mood, tone, or often the lyrics.

“Okay, so musically supports that?”

Most people can’t even manage, “It’s in a minor key,” or “It’s heavily syncopated.”