There's also the risk of getting cited. Sure, it's not the same as driving without a valid license but you can still get a ticket/fined.
You can't be fined. You can be cited. All that is required after citation is going to the courthouse and showing them your license. The citation is then trashed.
But a cop can easily pull your info from their onboard computer. Name, address and DOB is all they need to pull a digital copy of your license, complete with picture.
Yes, all this can be avoided by carrying your license. But if you choose not to, you accept those risks.
pay anyone can!