Sounds weird. Try the usual troubleshooting voodoo:
Remove all 3rd party virus apps (Avast, AVG, Bitdefender, Intego, MacAfee, Norton, ESET NOD32, Trusteer etc) and 3rd party "cleaning", "optimizing", "speed-up" apps (CleanMyMac, MacKeeper etc). They produce only obscure errors and money loss.
Don't use VPN services. Unless you're using it to tunnel into a secure private network such as your employer or school, it's doing absolutely nothing to protect your privacy or secure your data traffic. Exactly the opposite, in fact.
https://gist.github.com/joepie91/5a9909939e6ce7d09e29
Reset SMC & PRAM (if possible on silicon Macs)
Safe boot
Disk First Aid in Recovery mode
Does it work in a new dummy user account?
Does it work in a new clean install on an external disk?
An EtreCheck report would eliminate much guesswork:
Using EtreCheck to Troubleshoot Potential… - Apple Community
How to use the Add Text Feature When Post… - Apple Community
> Is there ANY XQD card reader that is known to work on Apple Macs (with Apple silicon)?
If the above does not help, I'd go to some respectful photo oriented brick and mortar store with the Mac and ask them to sell one that works.