Apple’s code quality is way down. The OS has become more complex and distributed due to ambitious projects like userspace drivers and the separate “T” CPU that manages Touch Bar and security functions; yet they don’t seem to invest in stability versus churning out a release every autumn, damn the bugs and torpedoes.
For me, Mojave on a 2017 15” MBP crashes hard about once a week. I remember Windows 98 being roughly as stable. It’s immensely disappointing.