hi daniel, i posted this exact same issue a few days ago.
just came to say that its not hardaware related or fauty surface.
heres my story: i buy my surface i month ago, and the problem with the camera staying on, havig to reboot to fix it was present since day one. i contacted ms, long story short, they told me to reinstall windows /which didnt fixed the issue) and then sent my surface for replacement, so i did. the replacement has the exact same issue
what i discovered is that the BSOD is related to 2004 and 20h2 versions of windows, in 1909 i got no BSOD, but the camera gets bugged from time to time, so i recommend to roll back if you updated.