It's something everyone fears, but with a Mac, your data is probably safer than ever. There are a couple of reasons for this. First of all, Macs are just as prone to disk fragmentation as PCs are, so that's a non-issue. The frequency of application crashes, however, has been much debated, and I find that PCs running Windows crash much more frequently than a Mac with Mac OS 9.0.4. That's not to say that Mac OS isn't buggy, because it is, but far less so than Windows.
Crashes happen to everyone.
This virus works on the honor system. Please randomly delete some of the files in your System Folder. Forward this email to other Mac users. Of course, your mileage may vary. So, crashes are indeed platform independent.