Same issue here - had it far a long time with S8 (though it worked initially) and just upgraded to Note 10 Lite - no issues for 4 days and now for no particular reason I can see, it doesn't work any more.
I have smartlock for front of house, back of house (99% overlap but there it is) , near my bluetooth headset, near my laptop - and I still have to enter my pattern.
Turning trusted agents off, rebooting and on again doesn't work for me.
Biker74 Explorer ... denying that others are having problems is not helpful. I found this thread while googling why the Smart Lock feature of my S10+ was also not working and I suspect I'm one of the "thousands". I found your reply annoyingly useless and taking up thread space.
I fixed my issue by following later useful replies of actually turning off Bluetooth and Wi-Fi Scanning. None of the other options worked.
Now I'm going to re-install Samsung Pay as I like that app and it seems to be to be a dumb solution to remove one Samsung app to get another Samsung app working.
If you're not going to post something useful, then please just don't post.