Excel does not allow me to insert rows (and when it does, its armageddon)

Did anyone ever respond with a real fix for this?  This same problem started for me yesterday on a file that is rather complex, but had been working fine up until then.  And the "Manual Calculation" workaround did not help. The workbook pulls real-time Stock Market data and makes calculations based on these. 

I went back to previous versions autosaved in OneDrive, ones which were definitely working before today, and these exhibit the very same problem.  A very nice MS Customer Support guy, who directed me to this post, spent over an hour looking at my issue, in my actual file, to no avail.  However, he did say that he discovered that a file from 5 weeks ago seemed to work.  But that would mean trying to recreate over a month of data entries and calculations.  Not even sure I could do that... but I know for sure I don't want to. 

Everything else seems to work OK.  I can copy/paste rows and columns at the end of current data, but cannot insert and/or move rows columns to within the existing data.  It seem so to have affected all sheets in a given workbook, even though I have not used them in months.  And, if I create an new sheet to test things, inserting or moving does not work there either.  

Here's another tidbit of information that just noticed.  Even with "Workbook Calculation" set to automatic, not all of the cell formulas are being updated, especially those that point to cells on other sheets.  Even forcing a "Calculate Now" doesn't update it.  I have to go into a cell as if I am going to Edit it, and when I come out of edit mode, the formula updates. 

Because this is affecting previously functioning workbooks, I feel that there MUST be some sort of bug in Excel that needs to be fixed.  Would greatly appreciate it if someone did get a response from Microsoft.  This is a real problem for me.