Random crashes, component testing did not reveal a problem, what could be the reason?

Question

Hard disks

Good afternoon, I need help or advice to at least find out the cause of random crashes in games.
PC Configuration:
Ryzen 5 1400 with aliexpress
Gigabyte B450 DSH3 BIOS version F40
Ballistix SPORT LT [BLS4G4D240FSE] 4GB 2400MHz 2pcs
Palit Super Jetstream 1060 3GB
SSD crusial BX500 120GB
PSU Corsair CX500
Windows 10 Pro 1909

Crashes in games without error at random times, there is no particular pattern. (in addition to the game, it closes msi afterburner) if it was turned on.
Memory + Motherboard New from the DNS store. Began to suspect memory. I made Memtes runs from a bootable flash drive, as well as Testmem5 program from under windows, there are no errors, it turns out in the stock at 2400Mhz, crashes in games occur periodically but not often. If all this is overclocked to 3200mhz and the voltage is set to 1.35V, the crashes become more frequent, but there are also no errors. These 2 tests pass, but with one nuance, in memtest from boot it can hang on one of the tests, and the check count is running but the test no longer moves, there is an endless counting of the memory check time, as for testmem5 after the Assasin Odyssey game crashes, if you immediately start the test, it starts to pour errors which is not there if you just turn on windows and start the test right away.
Windows 10 LTSC 2019 was reinstalled on Windows 10 Pro 1909, no result, it also crashes.
If there is one more interesting nuance. If you disable the swap file, Testmem5 cannot be started, it immediately gives an error, in games it crashes immediately to the desktop.
In general, tell me what to do, the memory, as it were, is still under warranty for 4.5 years, but the case is unique, I think if I hand it over for a quality check, they will return it and say it is serviceable, there are no obvious defects, the tests do not show anything.

Bios firmware did not help
F50 - crashes are present
F2 - crashes are present

Answer 1

Well, with any departures, it is worth lowering the frequencies of both the RAM and the Processor.
Try to borrow 1 DDR4 die from someone.
If everything is the same, try to reflash the BIOS, try to install known-good components one by one

Answer 2

Remove MSI overclocking and other system enemies.