You are right. I was not precise enough saying 'all freezes and crashes'.
Anyway, believe me or not, after years of maintaining this system and handling users' reports this is hardware that should be inspected first (not blamed). And this would save lots of hours to anyone. The winner being "undervoltage" as users don't account for juice sucked by USB devices and focus on power needed for RPi only. Only after removing this issue software should be inspected, otherwise we're just using unstable platform to run software. Bad thing is that powered USB hubs are not always a solution as they introduce other issues on USB layer for some devices.
All the best and clear skies!