so? in windows 64bit you get a 64bit kernel + 32bit AND 64bit userland. Again, I don't see what the problem here.
Its a hypothetical "well IF I Was using windows at ALL, and decided to choose to use 32bit version for some obscure reason, and decided to put in 4+GB of ram... then I wouldn't not see the extra ram cause microsoft maliciously decided to prevent crashes caused by bad programs and drivers by preventing it"...