Adobe support people tried to help with this but weren't any help.
They told my that the dll Cooltype.dll from the Adobe folder was a Microsoft problem.
I don't know why they couldn't actually assist, on loading a PSD file PhotoShop 2020 crashes. They went through every option for GPU and it didn't help.
Faulting application name: Photoshop.exe, version: 21.0.1.47, time stamp: 0x5dc286d5
Faulting module name: CoolType.dll, version: 5.17.0.44658, time stamp: 0x5d8007fa
Exception code: 0xc0000409
Fault offset: 0x000000000026c784
Faulting process id: 0x29c8
Faulting application start time: 0x01d5ae4b62a52e2a
Faulting application path: C:\Program Files\Adobe\Adobe Photoshop 2020\Photoshop.exe
Faulting module path: C:\Program Files\Adobe\Adobe Photoshop 2020\CoolType.dll
The only indication they gave was that it was a CRT (certificate problem) I was still confused why they couldn't just install the right certificate.
Since this I've had the same Cooltype problem with Illustrator and some other 2020 apps. The programs that aren't affected are affected by a ntdll.dll problem.
Faulting application name: InCopy.exe, version: 15.0.1.209, time stamp: 0x5ddd7573
Faulting module name: ntdll.dll, version: 10.0.18362.418, time stamp: 0x99ca0526
Exception code: 0xc0000374
Fault offset: 0x00000000000f9269
Faulting process id: 0x1ce8
Faulting application start time: 0x01d5ae67deded68d
Faulting application path: C:\Program Files\Adobe\Adobe InCopy 2020\InCopy.exe
Faulting module path: C:\WINDOWS\SYSTEM32\ntdll.dll
The only resolution Adobe could offer was to contact Microsoft - I mean if it is a legit Windows 10 problem it could affect all their clients... that would be more disruptive and you'd think a workaround would be urgent.
Yesterday I spent all day on this, and last night 6pm-12am I installed different versions of the applications so that we had a working combination for all our designers today.
My largest frustration is that we pay a hefty premium annual renewal for these applications "services" and I'm left to try get on with peers for help instead of the creators.