The kernel is a pretty technical concept, so it's hard to explain without using technical language :-) But you are right to ask, it is a useful concept to understand.
An operating system is the software that makes the computer run - as opposed to the software which the user uses, to send email, write documents etc.
Most operating systems are divided into 2 halves: (1) the kernel, and (2) user mode.
The kernel is a central part of the operating system which talks directly to the underlying hardware. Usually, the kernel can access everything in the machine, and do anything on the machine - it has complete control.
The user mode half of the operating system is more limited. It runs in a kind of isolated environment, where it cannot directly talk to the hardware - if user mode needs the hardware to do something, it must send a request to the kernel. If the kernel responds with "yep, I'done that for you" then user mode continues normally.
Most of the apps you use day to day - email browser, word processor, etc - are running in the user mode portion of the operating system. That way, you can do stupid things in your own little patch of the total system - delete your own files, over-write data, crash a user program etc - but you can't do stupid things to the total system. You can't overwrite files belonging to other users, or crash the entire machine.
If a program running in user mode crashes, that's the end for that program, and in severe cases, might be the end of that user session. But the kernel of the operating system keeps on running, and you can launch a new session and continue working.
If something in kernel mode crashes, that causes a "kernel panic" where you get the grey screen, and need to reboot the computer.
This separation of the operating system into kernel and user mode is very widespread across all current major OSes: Windows, MacOS and Linux are pretty similar, in this regard.
How the operating system manages to keep kernel mode and user mode separate is a fascinating and ingenious topic; but yeah, it gets a bit technical ... usually need a white board and an hour or two to explain :-)
You can see a few details about your current kernel by opening a Terminal window and running the command "uname -a"
user@Mac ~ % uname -a
Darwin Mac.network.lan 25.1.0 Darwin Kernel Version 25.1.0: Fri Sep 19 19:13:42 PDT 2025; root:xnu-12377.40.77.505.1~4/RELEASE_ARM64_T8122 arm64
user@Mac ~ %
As you can see, the kernel of MacOS is a piece of software called 'Darwin'. Most of the MacOS kernel is supplied by Apple. Sometimes, 3rd party software can add their own extensions to the kernel - these are modules called "kernel extensions" or 'kext'. But as a user, you don't often need to interact with them at all.
I have a degree in computer science, and I've worked with operating system engineering for around 30 years. So that's the basis for my answer. Other folks might have better explanations. Hope this helps a bit.