Micro SD cards- pain in my tushie!

For some reason, I am the only one in my family whomever has dead Micro SDs in their phone. It doesn't matter which phone I have had, all of my SD cards eventually just die off no matter what I'm doing on my phone. Normally, when it stops being useable on my phone, it will not load up on the computer either, however- the last two 32GB cards have stopped working on the phone, but not the other devices! I have tried to reformat, and the screen still says either no disc inserted or disc is empty. I only buy the two big names (one starts with S, the other L) and they are both Class 10. I don't have any malware or bugs on any of my machines, and nobody can give me a reason as to whyyyyyyyy and have to always point out that they have never had it happen to them- ever!
Please Help! Going broke and losing precious memories!