If the web server is down, you'll have no way to display a message (unless you make contingency plan to temporarily host your domain on another server somewhere). A site like a bank might have a web server, an application server, and a database server; so if the application or database server is down, they can have something on the web server to display this to the user.
"Please give us a simple answer, so that we don't have to think, because if we think, we might find answers that don't fit the way we want the world to be."
~ Terry Pratchett in Nation
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