> I don't see anyone suggesting

Have you looked?

"Although many factors affect fat cells, the hormone insulin exerts dominant anabolic control. Insulin decreases the circulating concentration of all major metabolic fuels by stimulating glucose uptake into tissues, suppressing release of fatty acids from adipose tissue, inhibiting production of ketones in the liver, and promoting fat and glycogen deposition." https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6082688/

Or this one: https://www.nih.gov/news-events/news-releases/nih-study-show...

There are many many other studies and articles, as the insulin-fat storage connection is very well documented