I think I have the same issue; at least every couple of days I get a message wrongly announcing I inserted a new memory card and to I want to format it. Once in this state this only disappears only if I restart the phone entirely.
Fairphone FP3, /e/ version 1.7 but it did already behave the same as of 1.6.
I did buy a replacement card but didn’t try yet to install it, as the current one is heavily loaded and transfering will involve a lot of processing for me…