loislanenetwork As another test, please create a new admin Windows account and try playing there. Make it local, as in, don't link it to your Microsoft account or any email address. (You can keep declining until you're asked some security questions instead.) You'll be able to launch Sims 4 without reinstalling anything, but your saves and other data won't be available.
Try it first with your computer online, then offline if the game crashes.
The idea here is to see whether the issue is limited to your main account or is more global. Either way, we have a better idea of where to look next.