You also STILL have not explained how I can have had so many card that have not died become corrupted or caused me any other types of problems what so ever.
If SD cards are so terrible then how can I possibly have had so may cards that have worked perfectly for YEARS.
Anecdotal variance is not usually comparable to statistical norms. If there is a fail rate of 5%, purchasing 15 in a row and having no issues is not abnormal, any more than buying 5 in a row and having all 5 fail is representative of the actual failure rate. SD cards have only been non-supported for about two years, and incrementally less so. This lack of base support causes OEM's to use their own code to enable the devices, etc. which is supposedly increasing the failure rate. Beginning with the Galaxy S2, every Samsung flagship device with an SD card has threads about SD cards being destroyed, most of which begin with, "it was working yesterday, now it's not".
The reason for the variance between some working and others not working has already been touched on, but it's basically a very cheap NAND memory chip made en masse and utilized by a dirty hack by software engineers that do not prioritize it's reliability, only its presence and semblance of usability on the day the device is sold.
No one knows what the exact failure rates are because the thousands of people who don't have issues are not posting, "I don't have issues". Just like every other bug report... it's rare to see, "everything is well, no complaints, thanks" be the content of an entire thread. What is known is that the failure rate spans devices, card manufacturers, card sizes, format technique, etc. and that the rate is staggering compared to the rate of say, "I picked up my phone and it had completed a factory reset itself". That thread just doesn't happen.
The real risk is not the usage of the cards, or bugs caused by that usage, but those who use that medium exclusively and have no other backups of their photos, etc. Not only is their niche support rapidly disappearing, but should anything go wrong, all of those memories, purchased content, etc. are literally gone... as opposed to a hybrid, cloud or other redundant backup system.