Great post Erika, but I would also like to add, a saddle can also be the cause of this position.
I've been in certain types of saddles, that do not aid my position at all, and instead, hinder me, like putting me in a "chair Seat". No matter how hard I tried to correct it, I could not, it was a big struggle to get my legs under me, and sometimes even physically hurt - so finding the right saddle that works great for your body type, is very important as well.
I am not saying that the saddle is always the "excuse" for the problem, because yes, a lot of the time the rider is just not being taught or shown correctly, or corrected - but what I am saying is, it isn't always the rider.