I seem to recall a few threads on this but can't find them. My Fold 3 inner "screen" was cracking along the folds, I went to my local Verizon phone where I got the phone. They told me the plastic cover that is on the inner screen is not meant to be used as a screen protector over the long term and I should just remove it. That I could get a 3rd party screen protector if I wanted but Samsung does not make a true inner screen protector for the Fold 3.
