Alas that Quora tread is full of questionable answers as Quora threads tend to do.
My bias: I am a FIDE master who skipped chess study for a year when I was a teenager. (insert Brando quote from On the Waterfront here).
Notice that the main examples that would disprove my premise are from 19th century. You'd need chess historian Winters to sort the claims but Chigorin's "seriously" is something to debate.
Why aren't modern influx of adult players making masters? Plenty of adults playing in tournaments all around the world spending thousands on travel and equipment and training. Most of us are having fun but the improvement is not there.
Also GM Klovans was a master level player in his teens and GM strength player as a young adult. Source: knew him personally and cherish the only draw I had against him.
The few modern day examples started in late teeens and fit within my narrative.
If there is a "consensus" that becoming a master does not require some innate ability then where are those masters?
Show me a master level player who started at age 30.
The chess.com megathread on this topic came up with an expert who achieved his title after starting at age 30 and that really is an outstanding accomplishment and a huge outlier. If "consensus" is correct there should be more numerous examples.
Pretty much all adult players have hit a serious wall this you can see by looking at rating charts.
The only exceptions are returnees who dedicate themselves to chess full time and even then the gains are miniscule 50-100 rating points at best and then they hit the wall and that's that.
Thus I take serious issue with your presumption that "Getting to master (2200 rating) level play is ultimately just an investment of time and money."
My thesis that chess skill/rating = talent * early start * dedicated study . You need all 3, if one is missing your chess skill will be seriously hampered.