I've only been through a hundred Android phones and devices but "out of the box" I have yet to find the option to hide the memory card enabled by default.

There are many settings that will create issues. This is just one. If folk change setttings from stock, it will be very hard to guess that from the clues or symptoms.

In this case, OBEX was not working and is still not working in many devices so I was left with what I'm seeing out there.