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Machine checks are a hardware problem, not a software problem. They are often the result of overclocking or overheating. In some cases, the CPU will shut itself off once passing a thermal limit to avoid permanent damage. But they can also be caused by bus errors introduced by other failing components, like memory or I/O devices.
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Phrases used by the tech savvy to mean that a problem is caused entirely by the fault of the user include PEBKAC [8] (an acronym for "problem exists between keyboard and chair"), PEBCAK [9] (an alternative, but similar, acronym for "problem exists between chair and keyboard"), POBCAK (a US government/military acronym for "problem occurs between ...