<!-- 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,
wtx.m_it_wtxOrdered = wtxOrdered.insert(std::make_pair(wtx.nOrderPos, &wtx));
    }
    AddToSpends(hash);
    for (const CTxIn& txin : wtx.tx->vin) {
        auto it = mapWallet.find(txin.prevout.hash);
        if (it != mapWallet.end()) {
            CWalletTx& prevtx = it->second;
            if (prevtx.isConflicted()) {
                MarkConflicted(prevtx.m_confirm.hashBlock, prevtx.m_confirm.block_height, wtx.GetHash());
            }
        }
    }
    return true;
}
bool CWallet::AddToWalletIfInvolvingMe(const CTransactionRef& ptx, CWalletTx::Confirmation confirm, bool fUpdate)
{
    const CTransaction& tx = *ptx;
    {
        AssertLockHeld(cs_wallet);
        if (!confirm.hashBlock.IsNull()) {
            for (const CTxIn& txin : tx.vin) {
                std::pair<TxSpends::const_iterator, TxSpends::const_iterator> range = mapTxSpends.equal_range(txin.prevout);
                while (range.first != range.second) {
                    if (range.first->second != tx.GetHash()) {
                        WalletLogPrintf("Transaction %s (in block %s) conflicts with wallet transaction %s (both spend %s:%i)\n", tx.GetHash().ToString(), confirm.hashBlock.ToString(), range.first->second.ToString(), range.first->first.hash.ToString(), range.first->first.n);
                        MarkConflicted(confirm.hashBlock, confirm.block_height, range.first->second);
                    }
                    range.first++;
                }
            }