It is a hardware issue related to corrupted files. The lower the hardware falls on the pre-requisite list the more pronounced it is. My system is below specs, but I can play the game. It wasn't until I varified the local files through steam that the problem was resolved. If you have been playing in offline mode, then you may have avoided the problem, because for me it was introduced in a patch. Patching to the latest and then making sure all the files are varified has eliminated all problems for me. Hopefully you will not have to do it 122 times in a row like I had, but you have to do it until it says all files varified successfully. It would be nice if they fixed that in a patch where it would take more time and made sure all files are varified instead of doing only one at a time, but it seems to be more steam related than anything.