The unreasonable effectiveness of simple HTML

If your laptop and phone both got stolen - how easily could you conduct online life through the worst browser you have? If you have to file an insurance claim online - will you get sent a simple HTML form to fill in, or a DOCX which won't render?

What vital information or services are forbidden to you due to being trapped in PDFs or horrendously complicated web sites?

A great story. What the web was meant to be at its core: universal accessibility.