If people stayed fit after getting in shape one time I think most would stop, your metaphor only works if we made some kind of capital gains scenario for fitness.
Its the same thing for people who are serious about the gym. You can deadlift 600 lbs? Cool, now its time to try to get to 650. If you hit 650 it is time to plan for 700.
I enjoy the act of exercising and the immediate effects following excercise. Most people that are very into fitness or exercise enjoy it as well.