Please file a bug report with Apple using Feedback, if you haven't already done so.
Quote my report FB9859660.
I am in the same situation as you, and feel as though I'm the only one!
I too don't know what to say to my users, other than Apple have a bug and they are working on it, with no timescale for resolution.
People are not happy!
It was working perfectly well in iOS14. Now it's not in iOS15.
Instruments suggests to me that there is probably a memory leak in NSPersistentCloudKitContainer.
Large spikes in Virtual Memory usage on all imports (even the small ones) but the small ones dont trigger a crash.
The same (smallish) database in iOS14 uses 36MB of VM but in iOS15 uses 1.49GB for example!!