
Right-click on the Monitor with speakers and Nvidia driver.Or right-click on your speaker icon in the Windows task bar. In the Nvidia Control Panel, click Open Windows Sound settings.To change the default device, configure the following:

If you continue to have issues, you may need to try the following options. You can try disabling the Nvidia audio in this screen and launching the game.

The screen displays any detected and configured Nvidia audio and the associated monitor.You can right-click your desktop to open, or use a File Manager and navigate to C:\Program Files\NVIDIA Corporation\Control Panel Client\, then run nvcplui.exe. To check for Nvidia audio and monitor settings, check the Nvidia Control Panel:

But Star Citizen may be crashing due to conflicting audio settings. Normally, this would not cause any issues. You have may have a monitor that support speakers, a Nvidia card with audio support, and an audio card installed.
