"Natural talent" at a skill is a combination of a
type of intelligence (not necessarily
GURPS IQ per se) that favors the general class of activity a skill belongs to, specific interest in that particular skill (probably acquired through encouragement, idolization, or media exposure), and a consequent willingness to do the hard work to realize the intelligence in the form of the skill. In game terms, it isn't "I don't have to train at all . . . I was born this way!", but something closer to, "Each hour for you is like 20 hours for me," meaning the talented youth
appears to need little or no training.
This is why I'm not a huge fan of
X hours = 1 point: The flat rates in the rules aren't just averages, but averages with error bars so huge that they don't really have much value. The learning-time reductions for Talents are probably adequate for groups of skills, but for individual interests, they're still not large enough.