MAC OS Catalina Crashes Every Day: "Accountsd wants to use the login keychain" "this mac can't connect to icloud because of a problem with"

Mac OS regularly crashes over the past month, July 2020.

Noticed that before crashing some of the programs quit unexpectedly with absolutely no window / message — they just simply disappear and that's it. After that a windows with messages mentioned below appear:

accountsd wants to use the "login" keychain

Then, without fail, the following message:

This Mac can't connect to iCloud because of a problem with "my iCloud id":

Typing a password in the lines above gives no result

Next I get the message: "iCloud Drive may not work properly. Please check the iCloud preference pane. Couldn't communicate with a helper application." There is a button "OK" and "Open Apple ID Preferences...." No matter which I push, nothing happens.

Next I get the message: "Unapproved caller. SecurityAgent may only be invoked by Apple software." with an "OK" button.

After that Finder relaunches and, in case having some open windows collapsed in Dock, their number doubles. After that nothing could be done — no program opens, menu line doesn't respond, no switching between the programs, even restart doesn't work — only pressing and holding the power button to restart my Mac helps to recover it.

I suspect this maybe related to my use of Microsoft One Drive, because the behavior first started around the time I first used the One Drive app for the first time. But I might be misremembering.

Thank you for any help you can provide.