I can make Catalina crash quite often–not bragging, just offering information.
Hardware: 2019 4K Retina 21 inch iMac with 16 GB memory
MacOS: 10.15.6 (but also happened with earlier versions of Catalina)
Always open apps: Finder, Safari, Mail, Calendar, Messages, TV
Development apps open: Xojo, Xcode, Simulator (I am working on a new iOS app)
Latest crash happened when I started a build on Xojo and while it was running launched Intuit Quicken accounting program. Even Force Quit will not work, I have to pull the plug on the iMac. I would say the crash happens almost every day if I try to have too much going on at the same time. Very un-Mac like.