The lack of unification between NT and Win9x before XP was abysmal. Basically you had to have 2 partitions, one for gaming, one for business. NT was unable to have games, Win9x was unable to be useful for business due to sheer blue screens. So yeah, I include NT 3.5, NT 4.0 and W2k in that shitty phase as well. I know it very well because I've lived through it. XP ended that. Hence why, after 20+years, you still have the majority of ATM's and plenty of other KIOSKs around the world still running XP.