Apps are required to request access to your Documents, Downloads, and other folders they do not own themselves.
If they are not requesting access, you should contact the developer to have them update their apps to work correctly.
What can I do?
You may be able to add the apps to Full Disk Access in the Privacy tab of Security & Privacy system preferences.
and none of the online help instructions worked.
Not particularly useful as we will just end up suggesting things you may have already tried.
Will Apple release a fix?
There is nothing that needs to be fixed except the apps that are not properly protecting your data.
and sole user
No, you're not. There are many users and processes that handle very specific tasks with extremely limited privileges to make it difficult to hack your Mac. You are apparently connected to the internet, so you better hope there are other users with extremely limited access rights handling tasks related to communications on the network.