Until a few years back, I didn't find it ridiculous, I honestly thought you could remove fat from a place by exercising that place.. Turns out you can't.
It is all a myth, there is no 'spot' fat removal, you can't lose weight from a single spot, if you lose - you are going to lose it from your whole body. Remember those commercials of vibrating belts, saying they'll remove the fat from the waist? It is not possible to focus removal of fat on a single spot of your body.
Remember, people are different. Different people behave differently, so you might not lose those lovely handles until 10% body fat, and someone else might've lost them at 15%.
The body decides how it distributes fat over - all you can do to shoo those man boobs and love handles away is to start easy by swaping out a few products, and then follow a general guideline. Nutrition alone will do a lot, but to gain a proper form you need atleast some aerobic exercises, jogging and cycling are one of the most preffered methods too.