I am running the latest Monterey 12.4, the problem started after I did a standard update within Monterey. I too encounter the same problem as discussed above.
I have done a memory test using memtest86.com free download to create an USB to test the memory of the computer as there were so many pointers to this.
Here is the result:
Basically test was aborted due to too many errors.
What to do now?????????