<!-- Describe the issue -->

Hi everyone,
We use bitcoin core with hundreds of wallets. The only efficient way we have found to do so is :
1. wait for any bitcoin-cli command to terminate before issuing another one
2. never issue any bitcoin-cli command unless tip update is 1
3. always unload a wallet after loading and using it

Now, we observ that bitcoin core systematically crashes every 20-30 minutes, then automatically restarts. And the problem is, it has to re-sync from about 0.997, which easily takes 15-20 minutes. During that time, the daemon cannot be used.

If we don't load/unload wallets, the daemon is stable and keeps to 1, no issue.

**System information**
Bitcoin Core RPC client version v0.20.0.0-ga62f0ed64f8bbbdfe6467ac5ce92ef5b5222d1bd
Compiled and run on Debian 9, on a VM with 16 mo memory. Launched that way : /bitcoind -daemon -walletrbf -conf=/root/.bitcoin/bitcoin.conf -fallbackfee=0.00001 -rpcworkqueue=128 -txindex=1

**bitcoin.conf :**
server=1
dbcache=16384
par=1
blocksonly=1
maxuploadtarget=137
maxconnections=16
rpcuser=bitcoinrpc
rpcpassword=xxxxxx
rpcallowip=127.0.0.1
testnet=0
txindex=1
walletbroadcast=1
txconfirmtarget=1

Please note that the same behaviour was happening with older releases (from 0.17.x).

Thanks for any help. Please ask for any needed information / testing.
Regards,
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        copyTo->fFromMe = copyFrom->fFromMe;
        
        
    }
}
/**
 * Outpoint is spent if any non-conflicted transaction
 * spends it:
 */
bool CWallet::IsSpent(const uint256& hash, unsigned int n) const
{
    const COutPoint outpoint(hash, n);
    std::pair<TxSpends::const_iterator, TxSpends::const_iterator> range;
    range = mapTxSpends.equal_range(outpoint);
    for (TxSpends::const_iterator it = range.first; it != range.second; ++it)
    {
        const uint256& wtxid = it->second;
        std::map<uint256, CWalletTx>::const_iterator mit = mapWallet.find(wtxid);
        if (mit != mapWallet.end()) {
            int depth = mit->second.GetDepthInMainChain();
            if (depth > 0  || (depth == 0 && !mit->second.isAbandoned()))
                return true; 
        }
    }
    return false;
}
void CWallet::AddToSpends(const COutPoint& outpoint, const uint256& wtxid)