I hate to tell you "asshats" this, but Windows 98 is actually a 16 and 32-bit hybrid system. It's basically Windows 95 with IE integrated into explorer.
It crashes alot, because it's an operating system designed to run 32-bit applications, but still runs on a 16-bit subsystem, namely DOS.
Alot of instabilities, however, aren't the cause of 'Doze itself, and are usually IRQ conflicts and/or lame, fagass applications (read: AOL) being installed by the user.
Ted: What a cockup this Windows 98 is.
Bill: You try doing something better with reused code, assclown.