...and that's probably the reason why they don't seem to get fixed. I've had clean installs of Win10 and 8.1 crash it often, just by browsing through a lot of files.
Thats a regular occurrence for me and people I know. My boss inserted a USB drive and Explorer crashed. It restarted itself, but crashed again. Until the drive was unplugged, at which time Windows made a bunch of error noises and popped up a "Catastrophic failure" dialog. It then worked OK after the USB drive was reinserted. The laptop cost ~3500€ and was installed and set up by the IT department with extra care because it's for the boss. It didn't matter, Windows 10 doesn't pick it's victims.