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The DMC-FZ7 is designed to work with SD cards up to a maximum 2GB capacity (4GB in theory, but very few devices work reliably with the 4GB SD as they simply didn't exist at the time so could not be compatibility tested with most SD devices). You have tried an 8GB SDHC card which the camera is incompatible with.
The SDHC card is the same size and shape as SD but is significantly different "under the hood". SDHC compliant devices can use earlier SD cards, but devices which are not designed to use SDHC cards cannot be updated: the incompatibility lies at the basic hardware level so there is no firmware update to overcome this.
So your guess is correct, but I hope that my reply helps you to understand why. Your fix is therefore to stick with SD cards of a maximum 2GB capacity. As SDHC cards start at a minimum 4GB capacity, you have no risk of buying the wrong model.
The DMC-LZ2 is specified to work with SD cards, not SDHC cards. While SDHC cards are physically compatible with SD cards, they will not work in SD devices. SD cards will work in SDHC devices, but that doesn't help you any here.
It's a hardware incompatibility. No firmware update can get around it.
It says DO NOT format on PC - you need to format in camera - have you done this? on Page 29 of the Manual http://panasonic.com.au/content/library/files/F002413.pdf
About cards that can be used in this unit
You can use an SD Memory Card and SDHC Memory Card.
•When the term card is used in these operating instructions this refers to the following types of
Memory Cards.
– SD Memory Card (8 MB to 2 GB)
– SDHC Memory Card (4 GB to 32 GB)
More specific information about memory cards that can be used with this unit.
• You can only use an SDHC Memory Card if using cards with 4 GB or
more capacity.
• A 4 GB (or more) Memory Card without an SDHC logo is not based on
the SD Standard and will not work in this product.
This is the instructions for the ZR1/ZX1 model
http://panasonic.jp/support/global/cs/mpi/dsc/zx1/menu01.html
A number of manuals available from this site
http://www2.panasonic.com/consumer-electronics/support/Cameras-Camcorders/Digital-Cameras/Lumix-Digital-Cameras/model.DMC-ZR1K
http://panasonic.com.au/content/library/files/F002413.pdf
If this solutions solves you problem, please do not forget to rate my solution.
If not, then please comment back so I can help some more
The Panasonic DMC-TZ1 camera supports SDHC cards. SDHC is a "Secure Digital High Capacity" memory card, and the spec says an SDHC capable device can use any SDHC card - so, you can go 16GB, 32GB or more - limited only by how much money you want to spend.
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