When we use a namespace, we should also indicate where its associated XSD is located at, as can be seen in the following example:
If you look to content of: http://www.w3.org/2001/XMLSchema-instance you found that there is text:
...
XML Schema instance namespace
See the XML Schema
Recommendation for an introduction
...
Because xmlns="http://www.w3.org/1999/xhtml"
you see above link as HTML document.
According to http://www.w3.org/TR/xmlschema-1/#schema-loc (Schema Representation Constraint: Schema Document Location Strategy) schema-aware processors may implement any combination of the following strategies, in any order:
So http://www.w3.org/2001/XMLSchema-instance
point to itself (yea, recursion!!).
See similar answer: Where is the XSD file for "http://www.w3.org/2001/XMLSchema-instance"?
PS. Any specialized XML processor can treat http://www.w3.org/2001/XMLSchema-instance
as known thing without actually download this definition (and most do that).
PPS. Semantic of http://www.w3.org/2001/XMLSchema-instance
defined by XML Schema standard http://www.w3.org/TR/xmlschema-1/