<!-- 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,
break; 
                }
                else if (!pick_new_inputs) {
                    
                    
                    
                    
                    error = _("Transaction fee and change calculation failed");
                    return false;
                }
                
                if (nChangePosInOut != -1 && nSubtractFeeFromAmount == 0) {
                    CAmount additionalFeeNeeded = nFeeNeeded - nFeeRet;
                    std::vector<CTxOut>::iterator change_position = txNew.vout.begin()+nChangePosInOut;
                    
                    if (change_position->nValue >= MIN_FINAL_CHANGE + additionalFeeNeeded) {
                        change_position->nValue -= additionalFeeNeeded;
                        nFeeRet += additionalFeeNeeded;
                        break; 
                    }
                }
                
                
                if (nSubtractFeeFromAmount > 0) {
                    pick_new_inputs = false;
                }
                
                nFeeRet = nFeeNeeded;
                coin_selection_params.use_bnb = false;
                continue;