So far, the suggestion by chscag of changing the settings in System Preferences, Security & Privacy, Advanced and setting the log out timing is working. However, I will try Onyx as you suggested, as everything seems slower and funky with my Mojave 10.14.6. I, too, am tired of seeing that beach ball of death even if nothing is actually crashing. Creating and saving PDFs is painful and I can't even download Catalina because something gets interrupted. I have Clean My Mac but can't say I've seen much difference in performance. Looks like OnyX is discontinued for Mojave so will have to install Catalina first somehow. Well, I better stay on topic which I think has been solved. Thanks Again.
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This really wasn't a crash issue as much as finding the proper settings beyond the usual sleep, screen saver ones. I think this one has been solved but I appreciate you responding.