A hosting account is necessary if you want to have a web site. Your site has to be physically created somewhere on a computer - a 'server' - which is connected to the Internet. The space on the server is what you 'rent' when you buy a hosting service. There is much more included in your hosting service though. You have acciess to many automated processes to create websites and utilities, from a drag and drop site builder, to e-commerce software. Email accounts and forwarders and more. No extra charge!