Harry,
I don't own a Kindle, but I am an electrical engineer. So here's my (educated?) guess:
The lighted cover draws power for the light through the metal tabs and runs it through some LEDs and maybe a driver circuit.
Unless there is some drastic fault with the LED or driver circuitry, it would be difficult to short out the power on the Kindle.
However, the metal tabs on the unlighted cover may be built from one solid piece of metal, with non-conductive paint on the tabs.
If that paint wears off, you've got an instant short-circuit, which could certainly crash the Kindle.
This is only my speculation based on the problem descriptions reported here.
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