The best-organized and rational program I have seen is the New Atkins.
If you want to look good, have maximum vigor, and save your joints, back, and heart, it's a good tough program which will shrink your belly, your stomach, and your appetite.
Once you reach your target, the plan focuses on maintenance. Not easy in a world of temptation.
The workbook is essential.
They are physiologically correct in general, and especially in noting the trivial effect of exercise on fat loss. Exercise is for strength and vitality for white-collar and otherwise sedentary people, but not for fat loss. Lose fat, exercise better, get stronger, feel better, and fight aging.
Medically, each pound of spare adipose tissue over-stresses your heart, and your knees and hips. Not good. Also, strong and thin is good for sex.
If you just don't care, that's fine too. It's a free country. Very few have the self-discipline needed to do hard things persistently and obviously many people do not care very much about how they look or feel.
I have no problem with overweight people. I just assume that other things are more important to them than physical fitness, and they are right about that. It is not for everybody.