I was that guy too. It isn't so much as "it catches up with you" as it is metabolic change. Your physiology is not the same. While it is easier to blame the patient, it isn't always correct. Your past lifestyle may or may not have anything to do with what's going on now. now other aspects of that lifestyle WILL catch up with you but I digress....
Most "professionals" and "experts" are not interested in WHY things changed. Many times they don't even look for what actually changed. A few things are looked for - cholesterol, fasting blood sugar, hemoglobin. Stuff sampled infrequently, so infrequently as to have no mathematically valid connection with what is going on in real time. For
example, with continuous monitoring of blood sugar, data shows that fasting blood sugar is a very poor indicator of how your body regulates blood sugar - yet it remains the main measurement used by docs. Meaningless metrics abound.
I see at trend in healthcare to avoid a search for underlying causes. Instead of seeking data and seeking actual causes in the patient, they seek to apply template medicine: fit you to a template and prescribe according to the "guidelines". When it doesn't work it is the patient's fault.
The bottom line is what is "right" for one person may or may not be "right" for another which is why so many people struggle. Some people fit the templates, others do not.
Why did your physiology change? Hormones? Lifestyle? age?
Too often there was a detectable cause besides "it's your fault for (changing lifestyle, not eating right, or getting old) that goes undetected until autopsy. Because searching for understanding of underlying causes seems to be excluded form the medical practice.