We're all on a path to some serious superstition-informed behaviors--LOL.

@PUCC_Treas , I can say that I've had that feature turned off for months or more--so at least for me, that is not a solution. Still, I scrolled down the options and under Service Connection, I unchecked Allow background downloading of service messages, on a hunch that maybe you're onto something. Will report back if this holds off future errors.

Perhaps unrelated, and on the superstitious note (too many variables changed at once), a couple days ago I went and uninstalled all the .Net and VB/VC++ etc sort of MS updates applied since May 2022. That did NOT solve my issue. Yesterday, Windows 11 updated itself and installed a few .net updates and another one of those Windows cumulative service packs. I opened Quickbooks and left it open overnight in the background. Today, after finishing some other work, I was able for the first time in weeks to open the Receipts Manager without encountering an immediate unrecoverable error (I've restarted QB 20ish times in the past few days trying to finish July bookkeeping). Maybe this, as someone else mentioned, is about leaving QB open for a while before using. Or maybe it's one of the changes I made. Either way, it seems connected to SOMEthing that's happened in the past 2 days. 

I'll report back.