Every Windows executable can crash a Windows system with the SE_SHUTDOWN_NAME privilege (which, contrary to the name, not only allows safe normal shutdowns) if they want to, though, which most of the time every user has.
The "if they want to" part is the difference, kernel drivers can easily cause BSoDs on accident, e.g. by writing to an invalid address, normal processes can't, they have to jump through hoops by choice.
The "if they want to" part is the difference, kernel drivers can easily cause BSoDs on accident, e.g. by writing to an invalid address, normal processes can't, they have to jump through hoops by choice.