Get a HxC emulator with HxCFloppyEmulator 2.0.22.0 and SCSI2SD for your Casio FZ-20M. This combo is working fine for me now. Changing the FDD in the FZ-20M is a bit of a pain, you need to get out allmost all PCBs, but it just work.
Version F of HxC can be directly mounted:
http://lotharek.pl/product.php?pid=121
SCSI2SD:
http://www.codesrc.com/mediawiki/index.php?title=SCSI2SD
You need a case plus power supply and SCSI 25 to 50 cable, no terminator needed.
- requires TERMPWR jumper to be set. On Casio the pin25 of the DB25 connector is "not connected" - I run witth "scsi2sd-config --apple" flag - size of SD card needs to be limited to 169378 blocks
You will get Blocks 01 - 40 to be used per SD card. Any old little 256 MB card from vintage cell phones will work. Your friends will love you, since they can dispose that stuff to you :-)