I haven't seen any that were not. Well, my PC came with a HDD pre-formatted and installed with all the important stuff, but I see fdisk is on it as well.
New cards do come formatted.
Unless you have a digital camera or a laptop available you can't fix your card. This utility will address that problem. I see said the blind man. You just move all your files off to your HD, format the card, then copy everything back to the card. It might help the microdrive at least.