There are, primarily, three (er, five, sorry) reasons why a full-blown crash is so rare in OS X:
1. OS X is built on an incredibly robust and reliable UNIX base. UNIX is a very old OS (over 40 years!) and is rock-solid. It was originally designed (and still is) to run for months without rebooting, though a little light maintenance (and keeping lots of temp space clear) will really help it remain robust.
2. Protected memory. Applications are "walled off" from each other, and nowadays even processes are "walled off" from each other, so that if something fails it doesn't take the whole system down with it.
3. No registry. This is the primary reason why OS X is so much more hearty than Windows. A central registry of system functions all interacting with numerous applications (and versions, and functions, etc) was simply a bad idea, but it's too deeply embedded in Windows infrastructure to just take it out. Maybe Windows RT avoids this bad idea, I don't know, I certainly hope so.
4. Security. UNIX and OS X are designed with security in mind, whereas with Windows security was always a bolted-on thing. This means that Windows is far more vulnerable to malware of all types than OS X is, which can add to system instability. Finally:
5. Higher standards. Macs are notoriously pickier about the quality of RAM the machines will work with, which turns out to be really crucial to system stability as, at any given time, a fair amount of the system is loaded into RAM and written back to disk. You want RAM that can do this accurately and reliably. Windows systems, at least the ones I am familiar with, were never so picky and consequently had more errors in that area that can lead to system instability.