Supposed we added some default text between the opening and closing tag of textarea element and the user did not typed in the text box but submitted the form, will the value of the textarea be assigned to the default text between the opening and closing tag of textarea element?
yes, so you should use placeholder:
https://developer.mozilla.org/en-US/docs/Web/HTML/Element/textarea
this text is not send and goes away when the user clicks/focus the text-area so they can type what they want
unless you want to provide the user with a default text, then you should place text between the opening and closing tag of the text-area
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