After several hours of Apple Support Chat two days ago, one of the support reps finally told me that the reason I couldn't reformat my drive (Samsung 860 EVO 1 TB) to APFS was because it wasn't a Macintosh drive. Really? I've invested a great deal of time in trying to upgrade to Catalina, having several Support interactions with multiple Apple Support personnel, only to find out, oh, btw, it won't work because it isn't our drive? I haven't found this anywhere as an official position, so all I have to go on is this one Tech. No idea if it is correct or not.
My process was... while my original Macintosh HDD was internal in my Mid 2012 MacBook Pro, I upgraded to Mojave. I then cloned that drive to the new Samsung 860 EVO 1 TB SSD drive, then installed the SSD as the internal drive. It ran Mojave just fine having been cloned onto the drive. But now it won't upgrade because it wasn't formatted to APFS, and at the time there was no info to state that it needed to be in APFS format. When I tried erasing the Samsung drive to reformat as APFS, there was no option to select APFS... and the reason I've been given is that it isn't a Macintosh drive.
Presumably I could reinstall the Macintosh HDD and upgrade to Catalina then start the process all over again, but that seems absurd. My question to the Apple Support tech was, "So does this mean I'll never be able to update my software again?" And the answer was "Yes".
I was also told that I should have checked to see if the new hardware was compatible. Hardware I purchased 5 months ago compatible with software that hadn't yet been released and that Apple still doesn't want to admit won't install on anything other than their hardware? The Tech did do a quick search and was able to verify that there was no published Apple info stating that there was any incompatibility issue.
I paid $100 for the Samsung drive. Currently, going to a 1 TB SSD upgrade on the new MacBook Pros from a 256 GB SSD costs $400. Yep, I can see why they want to keep this on their hardware only. Of course with the newer models, upgrading hardware isn't even an option.
I love my MacBook and never want to have to go back to another type of machine... but this sort of philosophy that punishes customers for being loyal to Apple is getting old.