<!-- 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,
{
    {
        LOCK(cs_wallet);
        std::map<uint256, CWalletTx>::const_iterator mi = mapWallet.find(txin.prevout.hash);
        if (mi != mapWallet.end())
        {
            const CWalletTx& prev = (*mi).second;
            if (txin.prevout.n < prev.tx->vout.size())
                return IsMine(prev.tx->vout[txin.prevout.n]);
        }
    }
    return ISMINE_NO;
}
CAmount CWallet::GetDebit(const CTxIn &txin, const isminefilter& filter) const
{
    {
        LOCK(cs_wallet);
        std::map<uint256, CWalletTx>::const_iterator mi = mapWallet.find(txin.prevout.hash);
        if (mi != mapWallet.end())
        {
            const CWalletTx& prev = (*mi).second;
            if (txin.prevout.n < prev.tx->vout.size())
                if (IsMine(prev.tx->vout[txin.prevout.n]) & filter)
                    return prev.tx->vout[txin.prevout.n].nValue;
        }
    }
    return 0;
}
isminetype CWallet::IsMine(const CTxOut& txout) const