This would be easy to rectify. Just as it takes proof of insurance to drive a car they could require the same for mountain climbing.
No card, no climb.
You said -- "No card, no climb."
I'm sure that idea would go *nowhere* in Oregon. Wouldn't fly... [not for the beloved Mt. Hood, or for that matter the rest of the Cascade Range]
Regards,
Star Traveler
Works for me.