I think @Carnival-Boy hit the nail on the head. It's the difference between someone looking to get paid and someone who enjoys the subject as much personally as professionally.
What used to surprise me was that in a SMB, the CFO (or financial person whatever their title) was usually the person responsible for IT duties. These people usually could care less about IT in general, but they were told it was their responsibility, so they did it. I'm guessing plenty of them found they could make more money doing IT stuff than financial stuff and made a switch, though clearly lacking in any type of formal or even semi formal education.
As has been talked about before on these boards, and mainly by @scottalanmiller, formalized education around IT isn't old like several other degree programs (lawyers, doctors, nurses, CPAs, etc), and in general is considered useless.
This is further confused by the fact that there's a divide in what is IT i.e. programmers/developers vs platform/administration. @scottalanmiller considers them two completely separate fields, but the layperson does not, they simply see that both sets of people spend nearly their entire day in front of a computer.