You live in Oregon, and have a CHL. When you pay for your meal at a restaurant, your CHL card drops to the floor, unnoticed. On the way home, you get pulled over for a burned out tailight you didn't know about. Being a helpful sort, you tell the officer you have a CHL, and what would he like you to do. He asks to see your card. Oops! You're a felon! For losing a piece of plastic, and not knowing it.
Wow!! That is insane. I think the FLA law says they can fine you $25 if you don't have your permit with you.