Your assertion: With a fresh Windows with only MSFS and still CTDs, it must be a hardware problem. This is wrong. Quite simply. Of course this can be the case, but it doesn’t have to be. And most of the time it is not.
Many could help themselves by installing older nvidia drivers, for example.
Generally there are 3 things to ask yourself here as a helper in this forum:
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If a certain number of users suddenly experience problems after a specific update, do all users have a hardware problem at the same time?
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If the users play other games at the same time and have no problems there, is it a hardware problem?
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Should I open a thread in which I suggest that I have the solution, even though I am not affected by the problem myself? With the risk that people read it, invest time etc. because they commit to a factual claim that may not be true?
I am happy about every user who helps with tips. Like for example: Hey, try this or that. But your approach and the way you write it just costs most people time. Nothing more.
No offence