-Having a fat, lazy, demanding sloth of a wife
-Having a few bratty kids that don't listen to a word you say
-Working some crap job day in and day out just to pay the bills and keep the family afloat
-Being too tired and depressed to find the motivation for a workout
-While living in some lower middle-class suburban wasteland in a fly-over state
It would be the combination of those things. And it scares me that I bet a lot of people live that very lifestyle.