<!-- 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,
{
                        if (nChangePosInOut == -1)
                        {
                            
                            nChangePosInOut = GetRandInt(txNew.vout.size()+1);
                        }
                        else if ((unsigned int)nChangePosInOut > txNew.vout.size())
                        {
                            error = _("Change index out of range");
                            return false;
                        }
                        std::vector<CTxOut>::iterator position = txNew.vout.begin()+nChangePosInOut;
                        txNew.vout.insert(position, newTxOut);
                    }
                } else {
                    nChangePosInOut = -1;
                }
                
                
                for (const auto& coin : setCoins) {
                    txNew.vin.push_back(CTxIn(coin.outpoint,CScript()));
                }
                nBytes = CalculateMaximumSignedTxSize(CTransaction(txNew), this, coin_control.fAllowWatchOnly);
                if (nBytes < 0) {
                    error = _("Signing transaction failed");
                    return false;
                }
                nFeeNeeded = GetMinimumFee(*this, nBytes, coin_control, &feeCalc);
                if (feeCalc.reason == FeeReason::FALLBACK && !m_allow_fallback_fee) {