Sometimes software bugs cost us money, At the most extreme, I have seen one Bethesda game (Battlespire) 'Brick' an HP Pavillion computer (not mine) by simply inserting the CD in the drive...very weird, and I have never seen that happen with any other product. Mostly they just make us feel like we wasted money on an unfinished product (F:NV). Sometimes it's a console bias; ie early console games could not be patched, so quality control was higher than today (remember the Nintendo Seal of Quality?). Oblivion can be forgiven to a degree as it had only a few months of exposure to the XBOX360 hardware before release.
If a game "Bricked" a system, the system itself had issues before, that were just exacerbated by the demands of gaming. For example, if you didn't keep your case clean, letting it fill with dust that reduces the equipments ability to dissipate heat, you might not notice that until you run an application that demands significantly more than "Idle" causing the heat to rise, and without proper heat dissipation, it'll quickly fry your processor.