I dropped a microSD in my car once and despite looking around for 10 minutes with a flashlight eventually gave up (I think it probably fell through a crack into the inside of the car.)
At least a lot of DSLR or mirrorless ILCs still use full size compactflash or SD cards which are easier to handle and not drop.
Misery loves company. This has happened more times than people will want to admit.
If only [DSLR] cameras supported encrypted memory cards. [Edit: With smartphone cameras improving so rapidly, perhaps this will become a moot point.]