A few months ago, my camera failed to recognize the SD card that I had just copied the last shoot from. In this case the card had delaminated and I immediately cut it in half and lowered it over the side for a respectful burial. Yesterday, while transferring data from the card from my wife's camera, I noticed the plastic insulators that separate the contacts on the SD card had broken free on one end. Now that I've cleaned up the fragments, they're mostly missing.
Admittedly, the last card was ~ five years old, but the card that delaminated was a major brand name and was ~ 1 year old. I plan to retire all of my aged card readers on the chance that one of them is causing damage to the cards. I can't do the same for the three cameras that we currently use.