I found another thread of someone else who had the same problem.
It turns out that when I update to iOS 13.2.3 that the new update did not fully complete properly, even though it appeared that it did. That is what I believe was responsible for there being no option to allow third party apps access to my microphone and camera to use apps like SnapChat etc. Also there was no photos showing up when trying to DM a photo in a third party app.
The only solution to fix this problem that only one person had the right recommendation was that I had to use iTunes to back-up my iPhone 7 and then I had to totally reinstall from that recent back-up using i-Tunes. You will need your Apple user name and password to do this.
The following link shows how to back-up:
https://support.apple.com/en-us/HT203977
The following link shows how to restore your device from a recent back-up:
https://support.apple.com/en-us/HT204184