Fat cells, ok. I was visualizing the particles in the bloodstream binding the molecules together like cement. I suppose its doubtful. Chunks of this stuff line the liner and filter. It looks smooth, it's light gray in color and when you pick it up it crumbles into chalk-like stuff.
Saw something that said exercise can raise good cholesterol, so you're onto something there.
As for vinegar, "the acetic acid in vinegar may help reduce cholesterol and triglycerides when consumed with a high-cholesterol diet." Amazing what you can dig up on the internet. . .
Whoa, it stabilizes blood sugar, too!
http://www.healthline.com/health/amazing-apple-cider-vinegar