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Couple of things could be the problem one is that the card is actually locked and I'll include a diagram so you know where it's suppose to be and the other is the card may need formatting. The memory card when new needs to be formatted to the camera it is to be used in and after each time pictures are downloaded to the computer. Formatting cleans the memory card and makes it ready for new pictures to be loaded at optimum speed.
Here is the lock position diagram. Lock is in the direction of the arrow unlock is up see small circle
So I got the same error message a few weeks ago. I bought a card reader and a software program that is supposed to recover lost/deleted/corrupt files but to no avail.
I have tried the SD card on my sister's camera (same Canon powershot) and it doesnt work. I have tried my sister's SD card on my camera and it does work so it is not my camera. It is clearly the SD card with an error.
SD cards have a slide switch along one edge. The position farthest from the contacts locks the card, protecting it from writes. The position nearest the contacts unlocks the card. If the switch is already in the proper position, slide it fully the other way and then back again.
Take the memory card out of the camera. Look at it carefully and you will seea small tab. Move the tab from the locked position to the unlocked position. Re-install the memory card into the camera and then you're done.