It seems like some chord arrangement are natural (they were developed independently in different parts of the world and maybe be specifically well tuned to how our ears work) but pretty much everything else is cultural though sometimes you need to dig really deep to find the source of those cultural roots. Some are informed by animals but even those have mostly transitioned to cultural learnings - instruments associated with birds, horses, dogs may have some basis in their call but at this point they're mostly spread by cultural learnings.