Cold fat is less palatable to some people. Some people associate their personal palatability perception with general perceptions and/or health. "If I taste it this way, everyone must, and it must be bad."
Of course that's not true, but it's a natural mistake.
In my case, congealed fat on top of a soup would put me off. I wouldn't eat it that way because I find large globs of congealed fat unpleasant. That's absolutely just my personal hang-up, but it may be shared by many others. Because of my hang-ups I would heat the soup, and stir the fat in, and know full well the fat is still there but be much happier with the eating experience.