We make cholesterol even if you don’t eat meat. We all need cholesterol. Some people have a predisposition to make more cholesterol. My ex husband had a heart attack at 35 and still in good health at 65. Our children were tested and my middle child is skinny , vegetarian and she makes a higher amount of cholesterol. A friend of ours had a zero calcium score but with chest pain and had other tests that showed her arteries were badly blocked and she needed bypass surgery.