Honestly?
Not everyone needs one.
If you're a tiny hobby account with no real need for an online presence, maybe you don't.
If Instagram already does everything you need, you might be perfectly happy without one.
But if you run a business, work as a professional, build a personal brand or have people regularly searching for you, having your own website can make sense.
The question isn't:
“Do I need a website because everyone else has one?”
Ask:
“Would it be useful for people to have one place where they can find everything about me?”
If the answer is yes, then you probably have your answer.
And your first website doesn't need to be complicated.
It doesn't need 25 pages.
It simply needs to exist.