Primarily genetics. So if you hear “do crunches to target that pesky stomach fat” etc… it’s a lie. You can’t burn specific fat areas with particular exercises. Your genes tel your body where to put fat and where to take it from. Men primarily store a lot of fat in their abdomen, around their organs (visceral fat) and women tend store fat around their hips, butt, and thighs (subcutaneous fat).
Your body will also always burn fat that isn’t as important. E.g. fat on your thighs vs. fat that line and protect your organs. Your body will always prefer to use the thigh fat as opposed to the protective layers of fat that insulate and cushion your organs.
So 1. Necessity 2. Genetics.
[Read this book.](https://www.amazon.com/Secret-Life-Fat-Science-Understood/dp/0393354970/ref=mp_s_a_1_3?adgrpid=56745673140&gclid=CjwKCAjw8qjnBRA-EiwAaNvhwHIzOavhsmFhp9Pe4lGxluGlFOueufwoHX92uQVoxIC9oOFDYltBZxoCahIQAvD_BwE&hvadid=274897713025&hvdev=m&hvlocphy=9019585&hvnetw=g&hvpos=1t1&hvqmt=e&hvrand=16564403505717822064&hvtargid=kwd-376230307889&hydadcr=12129_9563166&keywords=the+secret+life+of+fat+sylvia+tara&qid=1558900894&s=gateway&sr=8-3) The Secret Life of Fat.
Fascinating dive into fat as a system. Written in plain speak by a Ph.D.
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