After rebooting my computer I ended back in the loop again. I could download the app but was informed that the app was bad, delete and re-download. At that point I did reach out to Apple and the only thing they could come up with is that I should reinstall MacOS. This has fixed the problem, for now. The problem has hit me several times in the past several months.
FYI, before reinstalling I had a similar issue when trying to open 1Password to get my credentials for another site. So it isn't isolated to your app. In the future I will go straight for Apple Support.
Not sure what is happening to MacOS or why but it certainly is discouraging.
I do want to thank you for your timely response & for a great product.
@SweetP Hi Russell and thanks for your thoughts. I followed your suggestion but on a restart there was the old user account stuff. I'm really not sure if I shouldn't just hide (by making invisible) those recurring folders to get them off my mind and simply ignore them.