Photos says my libraries are unreadable ... until I restart, then everything is fine.
About once a week, I transfer photos from my phone to Photos on my MacBook Air (Retina, 13-inch, 2020) running Catalina 10.15.7. Although my photos are well-backed-up, I still have a mini-heart-attack every time is says that my libraries are unreadable.
But if I restart, everything is fine. No rebuilding or updating. After a restart, everything works the way it should.
MacBook Air 13″, macOS 10.15