There are three kinds of fat in the human body.
The first is Structural Fat. It surrounds the organs and joints. It is important at protecting the organs, arteries and keeping the skin smooth.
The second is Normal Fat. It is used as fuel when the body is dealing with nutritional or calorie insufficiencies. This fat is spread all over the body.
The third is Abnormal Fat. This fat is stored as a survival mechanism and is only released in the most severe nutritional emergency when the body is close to starvation. This is the hard to lose fat that creates a grotesque disfigure of the body.
Structural and Normal Fats are in fact needed for good health.