I posted this on a reddit thread, hopefully it helps someone here:
stumbled across this thread a few days ago whilst trying to resolve the issue, and was at least comforted to know I wasn't the only one suffering the problem.
Did some more research and found some sites advocating stopping and then restarting kexts to mount the sd card without pulling out the flush adapter and then inserting it, but no joy.
Then, this morning, when it happened again, for some reason I thought of a problem and solution I had on my old 17" 2012 'book a few years back, with the pcie card, and 'hot swapping' the usb3 drives it allowed to utilise. Long story short, you couldn't in theory hot swap, as when one usb3 drive was removed, the os/hardware would power down the card, and not recognise the next inserted usb HD without a restart...*unless you put the computer to sleep*. Putting it to sleep, and then waking was as effective as a reboot for supplying power to, and recognising, the port. tried that with the issue we all have of the invisible-yet-inserted sd card, and waddyaknow, it works! Remounts every time!
Now, it doesn't solve the whole random unmounting problem, but at least it will remount...Until it unmounts again :Ö
hope this helps someone, and I hope apple fixes this. Sadly, it seems we all have the same model, and the same flush adapter, so I suspect it's an uncommon issue, which means I don't hold hope that apple will sort it. Might be heading back to a lower OS in that case *sad face*
Cheers all
Edit 211130;
So, I was thinking what else could possibly be doing this on sleep/after a period of time, and having already looked at and tweaked the sleep settings, but with no joy, thought of what else could be being invoked that might be related.
Look at your 'Security:General' preference pane. If you have "Require password....after sleep or screen saver begins" set with something, uncheck it. I did this a couple of days ago, and the card hasn't dismounted since. To be clear, the display is going to sleep (so it would appear *that* is not the culprit), but no security is being invoked.
This of course means you macbook is less secure, but (for now) the data on the card is less in danger of being corrupted.
cheers!
(I'll come back here if it force-unmounts again to save you all the grief)