Answer: (1)① Hall thinks that "one or two heritages are better than one ton of education", and genetic quality plays a decisive role in the process of people's physical and mental development. This belongs to the view of endogenous theory, which holds that there is no fundamental substantive difference between psychological development and physiological development, and psychological development is the result of congenital factors, thus completely denying the role of acquired learning and experience.

② There are many factors that affect people's physical and mental development. Genetic quality is the material premise of people's physical and mental development, and the environment provides many possibilities for individual development. As a special environment, education plays a leading role in people's physical and mental development, and individual factors are the internal cause and motivation of people's physical and mental development. These factors are interrelated and cooperate with each other to jointly promote people's physical and mental development. So Hall's view is one-sided and unscientific.

(2) Heredity, also known as genetic quality, refers to the physiological and anatomical characteristics inherited from the previous generation, such as the shape and structure of the body and the characteristics of organs and nervous system. Genetic quality is the premise of people's physical and mental development, which is embodied in the following aspects: ① Genetic quality is the premise of people's physical and mental development, which provides possibilities for people's development, but it cannot determine people's development; ② Individual differences in genetic quality are one of the reasons for individual differences in people's physical and mental development; ③ The mature mechanism of genetic quality restricts the level and stage of human physical and mental development.