On the contrary (as stated before) men are the ones who have more fat in the abdominal region, while for women it distributes more to the hips and thighs. Testosterone might make it easier for you to gain muscle but people really need to stop treating it like it's magic. If you don't eat right and exercise regularly you're not going to change for the better. If you've always been out of shape and accustomed to eating junk food and being lazy, T wont magically turn you into Captain America.
And not to sound harsh but breathing problems, a bad ankle, and social anxiety are not excuses to be fat. Jerome Bettis was a professional NFL player and he had sever asthma since he was a teenager. Tyler Carron lost his legs in an automobile accident but he's competed in bodybuilding competitions and is a member of the USA's national sled hockey team. It's safe to say you wont be doing anything as strenuous as them just to lose some weight. There's also a million exercises you can do at home without equipment. Push ups, pull ups, sit ups, squats, wall sits, lunges, calf raises-I could go on all day.
If you want it you'll find a way, if you don't you'll make excuses.