Per the post in the title, here are my results.
I tried the suggested update but it did not fix the problem with OneDrive.
The first time it opened it ok. The 2nd time it failed. I thought I might have made a typo in my password so I continued to open and close the file repeatedly, carefully checking the password each time.
It opened the file ok for 3 times, but the 4th time it failed. I'm sure the password was correct this time.
As requested, the path to my data file is: C:\Users\MyUserName\OneDrive\Documents\Quicken