I agree with all of the above. With non-fiction you obviously wouldn't write about something you know nothing about or have no interest in - having said that people have made money from doing just that.
With fiction I think there is more of an emotional aspect about, as mentioned by other posters, a lot of fiction writing is about your own feelings. For example: I wouldn't write about relationships or sex if I hadn't experienced it.
I think the Shakespeare quote: "to thine own self be true" is better.
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