I confirm that this can be due to an overlay issue. I had no issue with the game untill tonight. Trying to figure out what was going on I noticed that my ACT metter for FF14 was still running.
Turned it off, back to normal ~
I can confirm the overlay thing as well. Several years back the devs explained that error code: NP1013 was caused by overlays interacting with the game. I have all my overlays turned off except for my FFXIV ACT parser. I closed it completely in task manager and now my game runs totally fine.