If you do not play sports, stretch, go for walks or run, you are at an increased risk of getting a back injury. In contrast, active individuals move their back and belly muscles to support the spine and are, therefore, less likely to have upper back pain.
Note that the spine supports your entire torso weight. Belly fat is a massive problem because it puts too much strain on your back. You are more likely to experience back pains due to the excess weight.
According to experts, individuals suffering from anxiety and depression are prone to back pain. It would help if you engaged in different activities to reduce stress and anxiety.