Thanks for the tip. I did create a test user account and when connecting the iPhone the same "download message" appeared. The download works fine and the install box comes up but then I get the "Install failed". 
I also tried installing from my iMac's Admin account. Same result.
What I am trying to solve is:
I periodically copy all the photos taken by my iPhone into my Photos app library on the iMac, and when I do that I select the option to erase those photos from my iPhone. Then I sync my iPhone and iMac using "Finder" with the the Sync process set to include the last years' worth of photos in my Photos app library to the iPhone. This process seems to work as it always has, but when in Mail or in Messages on the iPhone and I want to attach a picture to the email or message, the selection for Photos will only show those photos taken on the phone since the last sync. The "Recents" folder under Photos will not include the photos synced with the iMac. The Photos app on the iPhone will show all the synced images when "Library" is selected but the "Recents" album will only contain those photos taken since the last sync. Only the Photos "Recents" folder appears to be accessible from Mail or Messages. My work around is to open Photos on the iPhone, then select the image I want and copy it, then go back to Mail or Messages and paste the photo. Not a real solution. I was hoping that restoring the iPhone OS might solve this problem, but I cannot get past this "Installation failed" issue to do that.
I did check on my iMac that in Photos the "Recents" folder does contain all my photos, ordered by the most recent photos first. However when syncing, that folder does not appear to transfer to the iPhone. If I specifically check that folder in the syncing process, then my entire Photos library is transferred to the iPhone, which is also not a workable solution.
I am not a user of iCloud for anything and am not inclined to have yet another database to keep track of.
Any thoughts on this issue would be appreciated.