IF you study how computers started first it makes more sense to study HTML then:

Why?
Because Computers had to be invented before you could have the Internet. And each step or quantum jump that people made in consciousness was step by step by step.

For example, the KRNL that Microsoft used to create MS-DOS which was the first IBM Clone effective operating system in the early 1980s became vulnerable to viruses because they didn't know anything like the internet would ever exist.

So, when unpredictable steps occur along the way it is sort of like throwing a monkey wrench into the whole computer world at different points.

And many problems dealing with the world wide web cannot or won't be solved anytime soon because computer software was never initially designed to go online which made the systems vulnerable like they always are now.

So, when Banks and companies tell you that they are invulnerable they are lying because they spend billions of dollars each year dealing with fraud online of various kinds.

This is why you don't want to be doing online banking ever.

Because all your money in the bank is vulnerable if you use your personal passwords and they are cracked by criminals. The bank is NOT liable for your losses if the loss is through your personal passwords.

You REALLY need to know this to keep your finances safe ongoing.