I don't quite understand what you are trying to tell / ask...
Hiawatha is a webserver. You can use it to serve websites to the internet. Banshee is a PHP framework, which you can use to create websites. One of the things Banshee needs is URL rewriting done by the webserver in order to have clean URLs. To make Hiawatha rewrite URLs the right way for Banshee, the UrlToolkit rule as mentioned in your first post is needed. Other webservers need other type of configuration to do URL rewriting. Other frameworks / CMSes need other rewrite rules than Banshee, as you can find in
this HOWTO page.
Do you need to install Banshee? No, you are not required to do so. You
can use it if you want to create a website, but you can also choose another one. If you don't understand what I'm saying here, ignore it, leave the UrlTookit rule commented (no problem if you uncomment it, it does nothing by itself) and play some more with Hiawatha first.