An amount of electromigration of dopant atoms within the semiconductor crystal lattice sufficient to adversely affect chip performance seems unlikely after only a few months. It would seem reasonable to assume that the manufacturers (tsmc? global foundaries? ) have modelled chip aging processes of that type and can predict a reasonable service life, 4-8 months seems far too short to me. I suppose it could be the case, and that they know about it and are keeping quiet in the hope that most of them will keep working. A recall and swap of large numbers of chips might well be extremely expensive.
Other electrical/mechanical/thermal factors on the board might be relevent. Degradation of transmission line characteristics of pcb tracks caused by stray capacitance, dust buildup, ageing. Perhaps just plain poor pcb design. Capacitors aging, especially electrolytics, I can still remember years ago gigabyte had a big problem with low quality electrolytics used on their montherboards. The VRM module aging; if it is socketed, can you replace it?. Perhaps mechanical wear of the DIMM edge connectors, often the gold plating is a very thin 'flash plating' nowadays, much thinner than it used to be. Wiping with isopropyl alcohol might help. Heat sink compound drying out and becoming less thermally conductive. Or an incorrect application of heatsink compound in the factory. Loss of regulation in the system power supply due to psu components being faulty or aging. Fake components getting into the supply chain when the board was made (fake components are a major problem in production electronics). Again 4-8 months seems a rather short time for any of these kinds of problems to appear. Unless the board was marginal when they shipped it of course. At the end of the day its a bunch of physical electronics devices in a box, any number of things can go wrong.
Nonetheless all these types of faults usually have a rather low probability of occurrence with modern automated high-density SMD manufacturing techniques.
I guess you must have tried all the easy things - re-seat dimms and connectors, wipe edge connectors with alcohol, replace heatsink compound, vacuum the mobo clean of dust and dirt, try a different power supply, etc etc.