<!-- 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,
coin_selection_params.m_subtract_fee_outputs = nSubtractFeeFromAmount != 0; 
            
            while (true)
            {
                nChangePosInOut = nChangePosRequest;
                txNew.vin.clear();
                txNew.vout.clear();
                bool fFirst = true;
                CAmount nValueToSelect = nValue;
                if (nSubtractFeeFromAmount == 0)
                    nValueToSelect += nFeeRet;
                
                if (!coin_selection_params.m_subtract_fee_outputs) {
                    coin_selection_params.tx_noinputs_size = 11; 
                }
                for (const auto& recipient : vecSend)
                {
                    CTxOut txout(recipient.nAmount, recipient.scriptPubKey);
                    if (recipient.fSubtractFeeFromAmount)
                    {
                        assert(nSubtractFeeFromAmount != 0);
                        txout.nValue -= nFeeRet / nSubtractFeeFromAmount; 
                        if (fFirst) 
                        {
                            fFirst = false;
                            txout.nValue -= nFeeRet % nSubtractFeeFromAmount;
                        }
                    }
                    
                    if (!coin_selection_params.m_subtract_fee_outputs) {