…and independently the guy suggested checking to see if the card reader was compatible with OS9.1. I have sent an email to the company I found on the website; will post answer if I get one. Never dreamed card readers might be operating system dependent.
The reader's USB 2.0 (high speed USB) capability is not supported by any Mac OS lower than 10.2.8, but all USB 2.0 devices that I'm aware of are backward-compatible with USB 1.1 and will work at the far slower USB 1.1 speed which OS 9 supports. It seems extremely unlikely to me that the device would transfer data at all if it were, in some way I can't imagine, incompatible with OS 9. I don't think that's the issue.
Zio won't have anything to tell you, I suspect; the packaging of their products makes no mention of using them with Macs, and I doubt that they want to be bothered with questions about Mac support. Nevertheless, if the reader adheres to the USB 2.0 standard, it should work fine with Macs.
Some of the new digicams claim to be compatible only with versions of OS 10.x. Does this imply that pics cannot be downloaded and read properly in OS9.x, if read from a camera card thru a [compatible] card reader? Assume it means the downloadable software that comes with the digicam is incompatible with OS9.x, but is that really important?
In many cases, it's the proprietary software bundled with the camera that the company is really talking about. In the case of a camera equipped with USB 2.0 for direct transfer of images to the computer, OS 10.2.8 or 10.3.4 or higher is required for the connection to be made at USB 2.0 speed. But if you can stand to wait for images to be transferred at USB 1.1 speed instead, and you don't want to use the camera maker's usually less-than-great proprietary software anyway, you can often get by without the required OS version. There may be some cameras with which that won't work, though — and it could be quite hard to find out which ones, since camera makers are loath to suggest that their devices
might work with anything less than the minimum hardware and software they're
guaranteed to work with.
The $1900 Olympus camera I bought four years ago came with proprietary OS 9-compatible image browsing and editing software that was (to put it politely) amateurish in design and pitiful in its limited capabilities, especially by comparison with the $30 shareware GraphicConverter — one of the best software values available anywhere at any price. The latest updated OS X version of the Olympus app is different but no better, and the proprietary apps I've seen from other camera manufacturers are similarly weak. There is no good reason for anyone to use them, except in those few unpardonable cases where the camera maker has designed the camera not to transfer pictures to the computer any other way. There's no good reason for anyone to buy those cameras in the first place.
Any camera that uses a removable flash memory card should be able to be used with any OS that supports a USB card reader, including OS 9 and even OS 8.6. The only exception I can think of offhand is the xD-Picturecard form factor, which some versions of OS X seem to have trouble reading; I don't know about OS 9. All cameras that I'm aware of format their removable cards in the PC-centric FAT32 format, which all Macs have been able to recognize and handle with aplomb since it was introduced to the PC world many years ago. So only a hardware problem with the card reader or a corruption or missing component in the standard OS software on a Mac should prevent the correct reading and copying of a file from a memory card to a Mac's hard drive. That's what makes your problem so mystifying.