Two years ago I was in the Bahamas on a cruise and I was looking for a beach near the Atlantis resort where I could rent a waverunner for a coupls of hours. I ran into this dude that pointed out where the beach was, and he was more than happy to "help" us find out where to rent jet skis, because he could tell we were tourists and he wanted to make money off us.
Anyway, this guy was obviously poor (he was begging for money from the guy who rented the skis, for supposedly 'bringing us in' as customers), probably homeless, and he pretty much walked up and down the streets all day hustling so he could get by.
Ironically, the guy had the most ripped physique I've ever seen in my life (except in picures). I doubt this guy knew jack shit about lifting, or even cared. It was unbelieveable that a guy who lived in the streets of this poor-ass, ghetto side of town could look like this.
So yeah, I think genetics plays a role in how we look naturally.