There are some very good reasons why some people don't have CCW's. Its because they were either turned down or didn't apply because they knew they would be turned down. A Gal at work asked about CCW, because a new guy she was seeing, carried, and he told her he was turned down for a CCW. He had decided to carry anyways, because "its my responsibility to protect the woman I'm with." How gallant, yet, she later learned he had been arrested for domestic violence with his previous wife. Carrying illegally not good.