Re: Cameras, Too
UI designers just don't realise the thought processes that can go on in some users' heads
To be fair format wasn't really in much use as a verb before computing needed it to describe the process of writing a logical layout onto physical (magnetic) media.
For the vast majority of native English speakers it is a noun refering to the layout itself.
For those fortunate in not being in receipt of Microsoft's benevolence creating a new file system on media is not usually referred to as formatting even in the case of a FAT file system. [eg newfs or mkfs]
Low level disk formatting (even possible now?) was also described as "Initialization" which better conveyed irreversibility and loss of any existing data.
Users or consumers may be clueless but the narrowness in the real world experience of UI designers and application developers leaves a great deal to be desired.
Whimsically I would replace "Format" with "Bugger" so when selecting "Bugger" alias "Format" the application dialog asks:
"(Re)Bugger your SD Card? [y/N]?"
Any user complaining after selecting "Y" in error, could then be effectively dealt with: "you asked it to bugger your SD card - the card is now clearly buggered - your problem is?"