Full size SD cards have a lock, but MicroSD do not. If you see MicroSD as being write protected, it's a faulty cardreader, bad card, bad partitioning/formatting, a filesystem permission issue, or the OS fooling around with you.
I'm not sure what your issue really is - it's normal for Kobo microSD card to not be mountable in Windows because it uses two partitions Linux filesystems on them. If windows asks you to format the Kobo card, say no.
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