OK.
Total loss of coins when I try to send them. Says: "Unconfimed Payment"
On same chain as mining pools and the explorer. Checked block hashes. All good.

Wallet says 0.0 balance now. WTF?

Using Bech32 addy, is that the go'damn problem? I just noticed the top100 is all legacy wallets. Now what do I need to do? The explorer says my Bech32 addy still has coins in it... but the wallet reads 0.0
How do I access these coins?