Since MS primarily deals with software, it's hard to fathom all the different combination of hardware components that create a near endless amount of variables to track down a definitive cause of these failures.
PC enthusiasts are generally those who pick their hardware very selectively (unless their budget can only afford an ultra-cheap setup) and for OC'ing, they tend to employ decent controls (better HSF, pastes, etc.) to manage the additional stress/heat. Since you don't have to be an IRQ/device conflict genius now unlike the Win95/98 days, putting a system together has gotten much easier. The casual user that goes to Costco or what not to buy the cheapest computer made by <insert random OEM here> may not know what quality of components reside in their purchase (I still have nightmares of people buying Compaq or e-Machine computers).
Skewing off the topic just a tad:
Even Apple users still have a very hard time accepting that iOS apps crash/fail significantly
more often than Android apps. Unlike Microsoft who deals out only the OS, the hardware found in each iOS device is strictly controlled by Apple. Study: iOS apps crash more than Android apps do | TUAW - The Unofficial Apple Weblog