Who said I'm refusing? I have to done SO much to try and stop this. Turning off XMP, factory reset windows,messed around in bios settings, UPDATED bios, and much more.
I am dedicated to get this fixed so idk where you saw that I was refusing?
I read the whole topic before i gave out my suggestions as of what to do (what Colif might have missed). Now, the issue you have, seems to be software related, rather than hardware. And since software fixes are for free, albeit it takes more time, doing troubleshooting steps prior to opening your wallet is preferred.
With PCs, and namely with software, the hardest and most time consuming part isn't the actual fix, but instead finding out what causes the issue. And to narrow down possible suspects, there are things to do. E.g do 1st thing - did it help? If not, do 2nd thing - did it help? If not, do 3rd thing. Etc. Until the culprit has been found.
SFC /scannow is de-facto, #1 thing to do, when you have software issues, since this command will check the entire OS and will fix and replace all and any files that are either missing or corrupt.
Now, the easiest and least time consuming software "fix" is clean Win install. Since this will get rid of all and any software issues you have in your PC, with the cost of you loosing all your personal data on your OS drive. This starts the PC from clean slate. But since loosing personal data isn't something everyone are comfortable with, there are plethora of steps, to try, to figure out what is wrong with your system, software wise.
So, i ask again: How about the other 3 i asked for?