<!-- 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,
{
    SignatureData sigdata;
    CScript script_pub_key = GetScriptForDestination(pkhash);
    for (const auto& spk_man_pair : m_spk_managers) {
        if (spk_man_pair.second->CanProvide(script_pub_key, sigdata)) {
            return spk_man_pair.second->SignMessage(message, pkhash, str_sig);
        }
    }
    return SigningResult::PRIVATE_KEY_NOT_AVAILABLE;
}
bool CWallet::FundTransaction(CMutableTransaction& tx, CAmount& nFeeRet, int& nChangePosInOut, bilingual_str& error, bool lockUnspents, const std::set<int>& setSubtractFeeFromOutputs, CCoinControl coinControl)
{
    std::vector<CRecipient> vecSend;
    
    for (size_t idx = 0; idx < tx.vout.size(); idx++) {
        const CTxOut& txOut = tx.vout[idx];
        CRecipient recipient = {txOut.scriptPubKey, txOut.nValue, setSubtractFeeFromOutputs.count(idx) == 1};
        vecSend.push_back(recipient);
    }
    coinControl.fAllowOtherInputs = true;