SUCCESS! In case anyone else runs into this problem, my solution came by simply ‘copying’ the file from another SanDisk Cruzer drive, pasting it into the drive where that file was missing and … IT WORKED. I was able to put in my password and open the files. Don’t know if this will work for anyone else, but it sure beat all the time I put in trying to use the ‘Recover Lost Files’ systems mentioned elsewhere. Good luck
Really nice! Nice of you to share the steps too as other users will be able to use this in the future.