Photos cannot find the System Photo Library
I've just upgraded to Catalina from Mohave, with much trepidation. I use Time Machine as backup. Now I cannot open Photos at all; I'm told that "Photos cannot find the System Photo Library named 'PhotosLibrary.photoslibrary.'" I can't look at Photos Preferences because Photos stalls at that statement. When I look at both System and Library on the Mac HD, Photo Booth Library is grayed out, and there is no PhotosLibrary in either.
I checked ICloud in System Preferences and discovered that Photos was not backed up to iCloud--or so it seems, which is a surprise.
Have I really lost the whole thing? I haven't looked in my Time Machine backups yet because they are scary.
Help, please. Thanks!
iMac 21.5″, macOS 10.15