Most people in the US seem to eat and live like they're consciously making that gamble, and the result isn't all that seductive when I look around. e.g. How much heart disease, the #1 killer in the US, is preventable by diet and exercise?
Also, living until 90yo+ tells me nothing about your quality of life. Is the softbody 25yo happier and more confident and more fulfilled than the 25yo who puts some work into their body? Is the 40yo without the energy to chase his kids around the house happier than the one who can? Are man-tits and a limp dick at 50yo the key to happiness that fit people are overlooking? etc.
That being said, it’s possible for both genetically lucky people to exist and for people who would greatly benefit from exercise to exist.