<!-- 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 (chain.relayMinFee().GetFeePerK() > HIGH_TX_FEE_PER_KB) {
        warnings.push_back(AmountHighWarn("-minrelaytxfee") + Untranslated(" ") +
                           _("The wallet will avoid paying less than the minimum relay fee."));
    }
    walletInstance->m_confirm_target = gArgs.GetArg("-txconfirmtarget", DEFAULT_TX_CONFIRM_TARGET);
    walletInstance->m_spend_zero_conf_change = gArgs.GetBoolArg("-spendzeroconfchange", DEFAULT_SPEND_ZEROCONF_CHANGE);
    walletInstance->m_signal_rbf = gArgs.GetBoolArg("-walletrbf", DEFAULT_WALLET_RBF);
    walletInstance->WalletLogPrintf("Wallet completed loading in %15dms\n", GetTimeMillis() - nStart);
    
    walletInstance->TopUpKeyPool();
    LOCK(walletInstance->cs_wallet);
    
    
    
    
    
    
    
    
    walletInstance->m_chain_notifications_handler = walletInstance->chain().handleNotifications(walletInstance);
    int rescan_height = 0;
    if (!gArgs.GetBoolArg("-rescan", false))
    {
        WalletBatch batch(*walletInstance->database);
        CBlockLocator locator;
        if (batch.ReadBestBlock(locator)) {
            if (const Optional<int> fork_height = chain.findLocatorFork(locator)) {
                rescan_height = *fork_height;
            }