Paul provided the correct "pre Apple fixing their own problem" fix to this problem but I have many fields and I am lazy so decided to try an alternate solution.

-- I made a new (codable) struct mimicing the salient portion of the (observable/published) class and separated the concerns. --

It was fairly easy to create and (for me) less worry for maintenance. That "less worry" statement might come back to nibble at me but it works nicely : ). Yes, it is inefficient, but for small datasets does not cause a performance issue and saves some coding time. Apple needs to make this problem and kuldge disappear.