If it's twice a year, I wouldn't worry about it, Buster. The system may have crashed, often because of a power outage or a big crash. In other words, it wasn't a clean shutdown or something else that caused disk corruption (cosmic rays?). But yes, I think it's the SSD or memory but it's intermittent enough that it's not a big deal. Unless you have important personal data on it. Make sure it's backed up and test your backups (just open a file or three to make sure it's working).
I was wrong about fsck, it does run after so many boots or an unclean shutdown (see below for more) but it's usually just reading the journal (provided in modern filesystems). So it does the fsck but you usually never see it unless it needs your intervention.
If you experience it again and again in a short time, Bill, I'd look at the bottom of this
page for some instructions. Note that if it's the root partition that it's happening on, you'll have to boot a live disk to do the repair. And you'll need to know which partition it's on. You can do this graphically or at a terminal prompt, type (where X is the actual drive number):
sudo fdisk -l /dev/sdX
It'll show you the partitions on that drive. The drive letter might change when you boot up from a live disk so try sda and sdb, for example. Don't mention the partition, which comes after the letter (i.e.. don't do /dev/sda1). You can also do 'sudo fdisk -l' to list all the drives and partitions but that might be messy. Pipe it through less if it won't fit on one screen like this:
sudo fdisk -l | less
The character between the '-l' and 'less' is entered by pressing
<shift> </> (in US English keyboards).
Buster: if it ever happens again, use this option with fsck so you don't have to repeatedly press 'Y':
fsck -p
That's for an ext4 filesystem (or ext2/3) which you're likely using since it's the default.
Fsck errors are usually caused by power outages. However, the Arch page says that an fsck occurs every 30 boots automatically. I don't know if that's just with Arch or all Linux distros. But if the last field in your /etc/fstab for that partition is anything other than 0, an fsck will occur after so many boots. The number specifies the order. It's 1 or 2. The root (/) should be 1. And the others will be 2s unless not checked ever. Then they're checked in the order in which they appear.
But with a journaling filesystem, like all modern filesystems including ext4, fsck just reads back the journal. If it's a more serious error, a full fsck will be required. If the fsck is required a lot it's likely that there is corruption on the disk (probably the journaling file). Why it's happening? Who knows. Bad disk, bad memory? I doubt it's the kernel, Bill. Kernels wouldn't cause disk corruption. Linus would never allow a kernel that did that to proceed beyond the development version.
Your reinstall fixed it because it fixed the file corruption and likely didn't write over the same area of the disk. SSDs use wear-levelling which means when new data is written to it, it does it on unused or lesser used cells. So a reinstall likely won't be written to the same cells. If there is a problem with some parts of the drive, you won't see it until those cells are written to again.