What's the highest rating one can achieve without seriously studying?

I have seen many players of many backgrounds in the USCF scene, as I used to work at a chess center that hosted many tournaments. It's incredibly uncommon for people over 1800 USCF (I'm talking about standard or quick ratings) to not have studied pretty seriously for atleast a few months minimum.

I mean, the rating that I'm at right now was not from studying.

Well that's impressive but chess.com ratings are a little inflated compared to uscf. Also, most of the people that played in the tournaments were quite young (most less than 18 years old) so studying was necessary to make up for the lack of experience. If you play chess for years and years you can develop a good game sense overtime just from sheer trial and error.

Me too. 

I suppose studying could possibly help my rating go up. But I figure why. I remember studying in school. That doesn't sound like much fun at all. 

That is a really weird misunderstanding on your part. In chess, "studying" practically means "reading a chess book" or "watching an educational chess video".

Yeah, I can say with at least 100% certainty I'm not going to read a chess book. An educational chess video is a long shot too, because I just like playing chess. I'm not so much interested in studying it. 

look at me and ig thats it, just me lol

I never had any training and started at chess pretty late (age 13). I played chess informally for a long time and peaked 1500 rapid. To cross that point you just need to invest a bit into openings and grind puzzle