Hey DoctorFiguresItOut! (Cool name by the way)!
That is really useful information!
That, to me, sounds like a permissions issue!
Either User permissions, or Disk Permissions.
If you are able to see if the same happens in another user account, or not, that may give you the answer!
If the problem does NOT happen in a new user account, I would probably repair the permissions of your user account:
Open System Preferences > Security and Privacy > Privacy > Full Disk Access.
Unlock, click the “+” and add Terminal (Which is in Applications > Utilities, you can also open it in Finder and drag it into that window to make sure it’s there and has a check next to it).
Next open Terminal from that location.
Copy, then paste this command and press Return afterwards:
diskutil resetUserPermissions / `id -u`
Terminal will let you know when the process has finished and there is no time indication but is usually pretty quick.
Once done, restart and test the issue.
Otherwise, if the same issue DOES happen in another user account, (And in Safe Mode for that matter), the disk permissions may need to be repaired:
How to repair a Mac disk with Disk Utility:
https://support.apple.com/en-us/HT210898
The symptoms you provided brings that to mind, and others maybe experience similar symptoms with totally different causes, but with the symptoms you provided, that’s what comes to mind, then it’s worth a try if you’ve already tried the alternatives. Hope that helps!