And yet, once you wait that 100ms or however long it takes for the server to respond, your page is fully loaded and interactive. During the loading process, your browser remains responsive and your CPU is not loaded.
Nowadays, we still wait the same amount of time for the initial load, but now your CPU is at 100% parsing megabytes of shitty Javascript, and once the initial load completes, you're still not guaranteed the page won't slow down/overload your CPU again because some stuff can be asynchronously loaded (supposedly for performance reasons, even though doing it on the backend as part of the initial load would be faster in the vast majority of cases).