You're right, but I'm not talking about exercise, I'm talking about training. You do need to "obsess" over progression if you intend to progress.
> I’m jacked just doing push-ups, pull-ups, and squats here and there.
You almost certainly are not. Having low bodyfat is not the same thing as being "jacked". Weight/height? How much can you squat?
> Where people fail is the daily consistency and making the lifestyle change of actually exercising at all regularly, not because they aren’t exercising optimally.
My argument is that these things are highly related. That is, lifting effectively makes lifting consistently much easier--if you're seeing continued, measurable progress (every time you lift your numbers go up--how exciting!) and actual physical changes and improvements to your quality of life, it really isn't so difficult to be consistent because the process itself is incredibly enjoyable and rewarding. Continued habits are not formed by discipline, they are formed by finding something you enjoy in the habit; at least some component of the habit itself must become compelling.