Being Fat is just another indicator of a lack of discipline and self control.
The same could be said for smokers, alcoholics and drug addicts.
These people lack self discipline and thus are worse credit risks.
Add video game players and anybody on the internet more than 2 hours of personal time a day. All lazy along with your little group. They should also add anyone who reads more than two hours a day and don’t get me started on those TV watchers. Your little list can be added too easily.