ELI5: If storing some body fat is beneficial, why does eating in too large of a calorie surplus become detrimental to health?

I understand that body fat serves useful purposes, such as energy storage and supporting normal bodily functions. But if storing energy as fat is a normal and beneficial process, what specifically makes a consistently large calorie surplus harmful?

Is it mainly the amount of body fat accumulated, the speed at which it’s gained, metabolic changes from chronic overeating, or a combination of these?

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u/Vorange_pixelart — 2 days ago