This really comes back to Intel giving the motherboard manufacturers too much leeway. Intel doesn't have strict mandates for many of the settings on their CPUs and the ones with min/max are open to pretty broad interpretation. Intel also gives them tools to help determine settings, but that doesn't mean motherboard manufacturers are tuning these with a board they pull off a retail line.
Buildzoid did a couple of commentary videos based on his experience and the Intel data sheets:
View: https://www.youtube.com/watch?v=8yatSqh5hRA
View: https://www.youtube.com/watch?v=4WNiPQ3PTdE
Intel absolutely has the power here and can force the motherboard manufacturers to use their settings as default. Intel hasn't done this much since motherboard manufacturers first started messing with default settings with IVB. Intel obviously isn't going to control other profiles and/or the ability to modify settings, but the default behavior is something they clearly need to.
This sounds like some sort of software issue. It's definitely not what's happening due to these problems as these are all crash situations where the software or computer are crashing completely.