Honestly, when Windows 9x would crash, it was because something was doing something wrong. Drivers and legacy mode programs written and running under the no-longer-true assumption that they're the only program running on the computer will absolutely wreck your day when they poke in places they don't belong and do things they shouldn't. And if you got rid of those misbehaving programs, Win9x got a lot more stable.

I used to have crashes all the time. Then one day I got the bright idea to actually read and understand the error code when the computer crashed. I did a few web searches to demystify the error code and its cause, and ripped out the software firewall I was running. And that was the end of my bluescreen troubles.

Now, if you want to argue about poorly designed tools and environments that make it all too easy to do the wrong thing, then I think that would be a valid and productive argument.