Genesis to the rescue and based on your response I think I have figured it out. On the SOMETIMES tab it says I have 0/3 cards and everything is locked out. It appears the only thing I can do is back out and repeat this frustrating scenario forever.

However there is a single blue rectangle in the too left with the Fallen London Icon on it which I guess could vaguely be considered a card. It does mot appear 'clickable' at all. It's just an icon without any flashing effects or arrows or neon signs saying 'touch me to refill your hand'. but... I touched it, my hand refilled, I can now proceed.

So no bug, the problem is that either I am thick headed or the App doesn't do a great job of making you aware that clicking the 'card' icon is how you regill your deck. It definitely isn't shaped like the rest of the cluckable icons. It is most likely somewhere in the middle of those two?

Anyways... That was a coupke hours of frustration finally resolved. Thank you, again, to each and every person that offered their advice. Hopefully other people figure this out better then I did and don't get stuck, or that the app can be adjusted to help players (at least the daft ones like me...) better identify how to refill their hand.