OS/2, for example, ran on the same machines as W95, and was fully modern. It was easy to keep an OS/2 system running for months without a crash. But few would develop for it, because few had it.
People paid absolutely through the nose for all the effort needed to keep anything working at all. Disk de-fragmenting, for example, was a Windows-only phenomenon.
Consider all the Free Software we use today, that just works without attention, year after year. People had to pay high prices for Windows software because it took so much effort to get it to work at all, and to keep working when the tide changed.
The MS system software of that era is a prime example of how worse is better for software products.
How? Defragmenting is needed because random access on hdd is much, much slower than sequential. It's not something the os or fs can fix.
We’d be discussing this on a Prodigy forum if the incumbents had their way.