In theory it had memory protection. Processes were reasonably protected from accidentally stepping on each other's tires, but the OS was not. Any app that tried to be clever (which there were plenty of understandable reasons for) or was actively malicious could mess with absolutely everything.

There's definitely a difference in magnitude in how likely crap software is to set the world on fire and ruin your day between Win95 and Amiga.

One big problem is that Amiga "multi-tasking" while not co-operative like Mac or Win 3.x, can be switched off as a convenience for programmers. So all that needs to go wrong is a program switches off multi-tasking to do something and then gets stuck before restoring it. The program which crashed is dead but you can't fix that because it turn off multi-tasking.