What's the difference between "Administration Panel" roles and "Users and Permissions" roles?

Sorry if this seems like a badly written question (I’ve just discovered Strapi yesterday), but what’s the difference between the Administration Panel roles (which are only 3 in the community version) and the “Users and Permission” role (which I can add more than 3)?

Also, what’s the difference between the Users collection that comes autogenerated and the data we see under the “Users” menu in Administration Panel (in Settings)?

Please read:

As a quick answer:
Administration Panel (Users/Roles): Admin users, that have access to the Admin UI.
Users and permissions: Users that will consume your APIs (you can call them final customers)