This was the solution that fixed it.
https://www.reddit.com/r/army/comments/1g7nggo/comment/lss24bh/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button Basically the explanation is that the driver for the smart card reader we probably all have is SUPER old and Window's Defender is blocking it because it isn't trusted.
So, in Device Manager, I just opened the failed device, clicked "uninstall" and selected the "Delete the driver" check box. then, when I unplugged and plugged back in the reader, it replaced the driver with a standard Microsoft driver.
Problem solved....although, I would also note that this driver hasn't been updated since 2006 either.... So, I guess microsoft is above their own rules.