<!-- 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,
{
    WalletLogPrintf("Setting spkMan to active: id = %s, type = %d, internal = %d\n", id.ToString(), static_cast<int>(type), static_cast<int>(internal));
    auto& spk_mans = internal ? m_internal_spk_managers : m_external_spk_managers;
    auto spk_man = m_spk_managers.at(id).get();
    spk_man->SetInternal(internal);
    spk_mans[type] = spk_man;
    if (!memonly) {
        WalletBatch batch(*database);
        if (!batch.WriteActiveScriptPubKeyMan(static_cast<uint8_t>(type), id, internal)) {
            throw std::runtime_error(std::string(__func__) + ": writing active ScriptPubKeyMan id failed");
        }
    }
    NotifyCanGetAddressesChanged();
}
bool CWallet::IsLegacy() const