Hackers have become clever and use all means to make sure that they achieve what they want to achieve. They will try to create a website that almost resembles the official websites.
User may unknowingly visit such a website. This is risky to the user. The reason is that the website might require some vital information that will be used as an advantage to the hacker. The outcome may not be pleasing.
An SSL certificate makes sure that the website a user is visiting is actually the one that the user intended to visit. Someone with an ill-motive pretending to be a website will be revealed.
This is what HTTPS does. And the result is an internet space without hackers creating fake websites.