Just went through this
Windows no longer offers FAT32 as an options, BUT WIndows PowerShell does
Just search for Windows Power shell then open it up, then type in
format /FS:FAT32 G:
WHERE G: is the Drive that corresponds to your USD drive
PLEASE MAKE SURE YOU GET THE CORRECT DRIVE
It does take a while, but no malware or paying for a thirdparty app.
Below is what it will look like..
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Try the new cross-platform PowerShell https://aka.ms/pscore6
PS C:\Users\tim> format /FS:FAT32 G:
Insert new disk for drive G:
and press ENTER when ready...
The type of the file system is EXFAT.
The new file system is FAT32.
Verifying 119.1 GB
16 percent completed.