I have been using ubuntu and flavors for well over 12 years. I gotta tell you, never has anything of what you describe happen to me.

And I am a menacingly wild-user. I put my systems through a lot! I do a lot of full-stack development, arduino(and other iot stuff) coding, blender work (3d), inkscape, gimp, a lot of audacity for audio, a lot of kdenLive for video-editing..

and my laptops (although always being mediocore in spec) never broke a sweat. And I have never ever had to 'format' my PC cuz I'm locked out of it.

So, maybe, it's you who doesn't understand how to use the system. Maybe!