The problem is that everyone is a member of a different 1%. "Oh, only one percent of users have that monitor setup" "Oh, only one percent of users run that app" "Oh, only one percent of users change that setting in any given month" "Oh, that app only crashes once per hundred uses"
If you do 100 things with your computer every month, and every one of them has a 1/100 chance of crapping out, you're looking at a 64% chance of something crapping out on you over the course of the month