I can guarantee that it is probably not the case for this particular problem.
I confirm very serious exact issue and I reboot my computer multiple times per week because of this.
I don't have any malware like CleanMyMac, only installed macFUSE (in very remotely similar category but not really), I think it required temporarily disabling SIP protection... I uninstalled macFUSE to see if the issue would go away.
It did not, I cannot even install something like CyberDuck from appstore without reboots, see:

Cannot click on either button, or close the dialog... I'm stuck with this until reboot.
This is without any malware, with freshly installed copy of macOS Monterey 12.4 on my new M2 MBP.
It gets even better:

cannot click on these buttons either. After reboot I can go here:

And see the entry as if I disallowed access to folders the problem was asking me... I could now enable this access and I kind of would have something resembling a working system (with additional hassle).
So:
- there is a serious issue in latest macOS
- malware suggestions are an easy way to blame something else
- if something serious and well used like macFUSE could have caused this, then it's still Monterey problem since it allowed external software to screw up the core of OS ... I don't think this is the case as explained, I think it's a serious bug in coding in core OS component
People recommending a separate thread and working for Apple should instead show all this info to someone serious who can actually look into the problem instead.
I'd gladly provide some more system diagnostics on this thread if requested, let me know what you need.
Cheers!