That's one of those things you always think will happen to someone else until it happens to you. I've seen dealers accidentally kill a live hand when the cards were left too close to the muck, especially if there wasn't a card protector on them. Your homemade card protector sounds like a practical solution, and honestly it's kind of cool to use something you made yourself instead of buying a fancy one. Ever since I saw a similar mistake at my local casino, I've made it a habit to keep a chip or protector on my cards whenever I'm waiting to act.