<!-- 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,
std::set<CInputCoin>& setCoinsRet, CAmount& nValueRet, const CoinSelectionParams& coin_selection_params, bool& bnb_used) const
{
    setCoinsRet.clear();
    nValueRet = 0;
    std::vector<OutputGroup> utxo_pool;
    if (coin_selection_params.use_bnb) {
        
        FeeCalculation feeCalc;
        CCoinControl temp;
        temp.m_confirm_target = 1008;
        CFeeRate long_term_feerate = GetMinimumFeeRate(*this, temp, &feeCalc);
        
        CAmount cost_of_change = GetDiscardRate(*this).GetFee(coin_selection_params.change_spend_size) + coin_selection_params.effective_fee.GetFee(coin_selection_params.change_output_size);
        
        for (OutputGroup& group : groups) {
            if (!group.EligibleForSpending(eligibility_filter)) continue;
            group.fee = 0;
            group.long_term_fee = 0;
            group.effective_value = 0;
            for (auto it = group.m_outputs.begin(); it != group.m_outputs.end(); ) {
                const CInputCoin& coin = *it;
                CAmount effective_value = coin.txout.nValue - (coin.m_input_bytes < 0 ? 0 : coin_selection_params.effective_fee.GetFee(coin.m_input_bytes));