If we're just talking weight loss and getting in shape, than cardio is a lot less important than your diet. You can do tons of cardio and not lose much if you're not eating right and running at a calorie deficit.
If we're talking general advice for healthy living, then cardio is essential. You don't need to be running 5Ks every morning, or be in the pool like Michael Phelps though. Throw in 30 minutes of some sort of cardio everyday and you'll be helping your heart, among other things.
It's difficult to find cardio you can enjoy though, especially if you don't like playing sports. I hate running just to run.