Since iOS 13 update. . JPG problem. Cannot Load Photo. There was an error loading this photo

I upgraded to iOS 13 and now if I try to edit photos which I've uploaded from my PC to iPhone via iCloud, I get an error saying "Cannot Load Photo. There was an error loading this photo".

I can view the photos fine but if I try to upload the photo to Instagram I get this message "Could not open photo. Please try again in a moment."

Photos that have been taken on my iPhone are fine. I can edit those as I've normally done. There are instances though which I need to upload images which were not taken with my iPhone.

I can reproduce the steps.

1. I've uploaded a photo to iCloud on the Desktop.

2. I go into my iPhone or iPad and in the Photo App press edit.

The message says - "Cannot Load Photo "- I cannot edit my photo in the Photo's own App.

3. I try to load it into Instagram to edit and get the error message - "Could not open photo. Please try again in a moment".

4. I then try another tactic.

I open the Snapseed App and load the same photo into Snapseed and I receive a message saying - "This image is read-only. Saving will create a copy." So I did that and it works fine from there. I can upload to Instagram and edit a copy of the original photo from which Photo App wouldn't do.

So I got to thinking deep about this peculiar problem.

I played around with the file formats in Photoshop and saving them different ways.

If I save the file as " Save As" and then save it as a "jpeg" file, then all is okay. I upload the photo to iCloud from my PC and all is fine. I can then edit the photo in the iPhone Photo App and upload to Instagram.

However if I save the same file from Photoshop as "Save As" and then save it as a "jpg" file, I then upload that "jpg" file to the iCloud from my PC, it's then that I cannot edit that photo and that is where the error messages come in - from the Photo App when trying to edit, to Instagram when trying to upload.

Snapseed tells me that the jpg file I've uploaded is a read-only image.

So the problem is with the file jpg not jpeg. Why?

So I've discovered that to upload images to my iCloud via PC and to be able to edit those photos or upload to Instagram then they have to be an actual "jpeg" file, not a jpg file.

I hope this makes sense and I hope someone can tell me what's going on.

Why the change? I can only surmise that it's with the latest iOS update.