Sorry brother but the worry around cholesterol - especially in the context of the US - is not stemming from people drinking too much coffee. If you have high cholesterol there are 15 other things you should probably be cutting down on. This is similar to people who tell people to watch the sugar content in their fruit intake. No ones getting obese off fruit, the benefits outweigh the negatives tenfold.
While what you say is true, people carrying extra weight are often prediabetic and should be watching sugar/carb intake in the morning when blood glucose levels are already rising without food. That also happens to be one of the most popular times of day to consume fruit, which is why choosing a fruit with a lower glycemic index (or load) at breakfast is importance.