Made an account here just to reply.
I've had had a few 11 Pro Maxes, kept replacing them due to bad screen uniformity.
I've had 2 of them for long enough to see this exact issue, a 64gb model (now returned) and a 256 gb model.
I still have this problem on my 256 gb model that I decided to keep (for a while, still in the return period) , iOS 14.3.
It's the exact same problem you guys have, here is what I noticed so far:
1. It seems to crash more often if I am using the iOS Dark Mode.
2. Sometimes I can bypass the crashing by disabling smart HDR.
3. Video also crashes when this happens, but if I switch it to 1080p I can keep recording.
4. Sometimes after the crashes it starts working again, after a while, but video continues to crash (assuming I have it set to 4k).
5. More often than not, I have to restart it for everything to work properly again.
6. You can predict the crash incoming soon, when you start taking photos and you swipe the camera up to get to the springboard, you can notice a delay, it's not instant as it is with fresh restart.
7. DFU restore did not solve it, I did one yesterday, no backups used, clean slate, but it crashed today.
8. After a fresh restart, you can open a ton of apps and not have any app restarts when you use the camera, but after like a day or so, everytime you use the camera, most of the apps get restarted, really looks like a ram/memory leak issue.
9. Tried to reproduce this manually, stressing the **** out of the phone on purpose, opening a ton of apps, installing, downloading, everything I could think of, but I could not! it always needs like 24 hours or so for this to happen.
10. My personal opinion is that this is not a hardware issue, makes no sense. But it sucks big time, it happens when I need my camera the most and this makes it a very valid reason to return.