We’re glad you had the opportunity to double check the permissions lunaNZ, and were able to restart your Mac.
You mentioned this is happening with an app. To confirm, is this an application such as Word, Pages, or another app where you can create documents? If so, does this happen when trying to open different documents? If the issue is only with the app and not related to a specific document, check to confirm that Content & Privacy Restrictions isn’t enabled. The following article walks through how to verify those settings.
Use Screen Time on your Mac
While these may not be features you’ve used, confirming they’re not currently enabled does help further isolate the issue. If you don’t have Content & Privacy Restrictions enabled, can you confirm if your user account is set up as an Admin account in System Preferences > Users & Groups?
If your account is set up as an Admin user, and Content & Privacy Restrictions is not enabled. The next step would be to contact Apple. You can find their contact details via the Get Support website.
Take care!