ELI5: Why does the human body keep storeing energy via fat cells even beyond the point of it becoming unhealthy for the body?

Yesterday i've been watching Tv and randomly zapped into a documentary looking at increasing amounts of obesity many countrys around the world. It got me thinking about this topic.

Biologically speaking i am aware that the body stores excess energy consumed away in form of fat cells in case the body ever gets into the risk of starvation. Which kinda makes sence to a certain extend.

However i am curious as to why there is no "stop" point, because beyond a certain point fat doesn't contribute to survival anymore but rather goes the other way wether it is death by related diseases or just getting eaten by a predator (theoretically speaking).

Another weird thing is that the body once you actually start "starving" doesn't only take the fat but part fat part muscle but thats a whole new topic.