Experience vs. Quality in Writing

Frequently in replies to articles about writing I hear a grumble from users, who are in their 50th or older: "Life experience is the most important thing in books. If you have experience, then your book will be good a priori. At first you must live the life through, and only after that you can write truly well". There is an eternal dispute of what goes first - hen or egg, or, to be exact, whether quality of text can atone the absence of experience and vice versa.

I should admit, that similar ideas visit every writer from time to time. When we face writer's block, we are susceptible to explain it not only by our own inability to write, but also by the  absence of "real life" behind your back. How can it be possible to write a history of a woman with three children, who is discharged from office, her house burns down and husband disappears, if you are by yourself a yesterday-student, who have lived  all his life happily under parental wings? And if you are already in your 40es, and are going to write book for the middle grade children? It would seem, you have too much experience, but your son is already eighteen and he is overcome by non-children's problems, and what was in your own childhood, you have already forgot!

Of course, I will change it soon!

Hi to all, who writes. It's not very important, what you write and how long you're doing it. What really matters is how strong you are and how we will fight with the writer's block and laziness and many other things together.
We will, right?