I think she's pretty hot to be fair. Nice boobs, fair figure. Certainly not "dumpy" or fat, IMO. Just because she isn't ripped doesn't mean she's not attractive.
I'd go as far as to say no one should be shamed for having fun on the beach. It's no-one else's business if someone is out of shape, frankly.
HOWEVER, where my line is drawn is when people start saying it's "natural" to be obese or eat like a pig with no exercise. It isn't. If you're out of shape you can't expect people to find you attractive - you need to get your arse to the gym. That's why it annoys me when really fat girls get angry at men for "having unrealistic expectations"...err no, I'd find you perfectly attractive if you had rounded interests and went to the gym. It's annoying in the same way that fat entitled men are annoying.
As a side note, I can't stand tabloid (including Daily Mail) articles where they judge people's bodies as "hot or not?" like this. The most r*tarded one I've seen recently was when they were mocking Arnold Schwarzenegger's son for being overweight at the same age that Schwarzenegger was ripped.
The difference? His son is doing a f*cking university degree instead of trying to be Mr. Universe. Why does it matter if he's overweight? The dude's trying to get an education, and he isn't abusing steroids like his Dad. Why the f*ck are they mocking him for not pumping his body full of drugs? Bizarre.