To put this another way skinny fat just means you are not overweight but you have a high body fat percentage (eg lacking lean mass). So while you might not look like the average American there will still be significant visible abdominal fat, likely love handles, etc
If you are skinny fat you still have noticeable abdominal fat. You might not see it when somebody has a t-shirt on but it's still very obvious
To put this another way skinny fat just means you are not overweight but you have a high body fat percentage (eg lacking lean mass). So while you might not look like the average American there will still be significant visible abdominal fat, likely love handles, etc