From roughly your thirties onward you lose muscle mass and strength gradually by default, a process called sarcopenia. Left unchecked it accelerates with age, and it's not cosmetic: muscle loss predicts falls, fractures, loss of independence, and mortality in older adults. It also lowers resting energy expenditure and worsens blood-sugar handling, since muscle is where most glucose gets disposed of.
Cardio does not prevent this — only loading the muscles does. Resistance training is the one intervention shown to halt and partly reverse sarcopenia, and it works at any age, including in people in their nineties. Two sessions a week hitting the major movement patterns is enough to make a real difference. The framing that matters: you're not training to look a certain way, you're training so that at 80 you can stand up from a chair unaided and survive a fall.