I think people just forgot how insanely unstable and prone to breaking MS OSes were back then. Crashes and hangs that take down your entire machine were common, and “reinstalling the OS” was seen as a normal thing that you just had to do every once in a while.

Windows 95 was pretty much broken “by design”. This is truer than it seems, especially if you skip being charitable by taking the context into account, namely that Microsoft mainly designed Windows 95 for compatibility. (The contemporary Windows NT on the other hand was a much cleaner design, though still questionable above its kernel layer).