From Photoshop, I am using up to date Monterrey 12.3.1, and I cannot save a .psd or .jpg file, rather I get an error message "could not save because write access was not granted". I can 'save as' but... And "Finder" has nothing to do with it.
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In System Preferences, >Security & Privacy, >Full Disk Access, do you see Photoshop listed? If not, do add it and try again.
When I go there (thank you for the suggestion) the apps and the + - signs are greyed out, they will not respond. I should mention that I'm saving to an external hard drive. I'm using PS 2022, it is updated as is the OS.
Did you unlock it (with admin password)? See the "Click the lock to make changes"?
This worked, after unlocking. Thank you, problem solved. The exact and complete sequence is:
Quit Photoshop. >System preferences (under the Apple, the whole computer not PS) >Security and Privacy >Full disc access. Click the lock to unlock. Apply check mark to Adobe Photoshop