I was just reading about this in a physiology text 10 hours ago! The key fact is that conversion of tri-acylglycerides (storage fats, aka triglycerides) in cells is done by two enzymes. Without the activity of those enzymes, TAGs can’t be converted to free fatty acids (FFAs) which can get out of the fat cell and into the bloodstream, and in the muscle the TAG can’t enter the citric acid cycle to be “burned” to create ATP.
One of those enzymes is reduced by insulin at the level of mRNA transcription or translation (I forgot which, but the effect is the same: no protein is made from that gene’s code), so the enzyme simply isn’t present in significant amounts when insulin is high.
For the other enzyme, insulin promotes its dephosphorylation by a protein phosphatase and inhibits its phosphorylation by a protein kinase. The phosphorylated form of the enzyme is the active form, so insulin works both sides of that street to keep that enzyme inactive.
So, just from this simple physiology, it’s pretty clear that the “eat six small, carb rich meals a day” is hopeless advice for weight loss. With insulin constantly elevated, you have a fat ratchet: the liver can make FFAs from glucose, adipocytes can take up the FFAs and store them as TAGs, and muscle can even take up some FFA and store it as TAGs (except that they are probably already storing as much TAG as they can), but adipocytes can’t release the fat and the muscles can’t burn it because the enzymes needed to break down the TAGs are absent or inactive. Fats go in, but they can’t get out, except maybe in the middle of the night when the person finally stopped packing their gut with starch for a few minutes and insulin levels dropped.
When insulin is constantly low, TAGs can be converted to FFAs at virtually any time, and most cell types can use those FFAs to make energy (ATP), so any time energy is needed beyond the immediate supply coming from the gut, fat cells can make up the deficit.