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i would first look at the files. i guess they are not .jpg files but .psd files. So when you know what type of files they are from the extention, you could search for a piece of software that can handle those files and perhaps convert them to .jpg so you can import them into apple photos
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The specific reason for the message is the .psd file(s) have layers and were not saved with
a "Composite" (flattened) version of the document along with the layers.
https://helpx.adobe.com/photoshop/using/file-formats.html
Anyhow, a new version of photoshop elements 2020 is your best bet for opening the files correctly followed by Gimp (free) or Affinity Photo (not free).