One could wonder what you did the past 50 years when you just discovered that you can't get a concealed carry permit in NJ. Caring about your rights only when you actually need them is exactly the apathy of the people that led to this sad state of affairs. Now, that you want to invoke a right that has been legislated away in the past decades you finally wonder what to do about it. Now, it is too late. You will likely never get a concealed carry permit in NJ. You can choose to live with the choices of the people of your state or move.
The NRA-ILA really doesn't care. The NRA is not an organization that helps individuals. It is a lobbying organization that is mostly after your money to pay for political propaganda and executive salaries. In my town, Knoxville, TN, the NRA settled on a lawsuit against the city because "the NRA was running out of money for the case". The lawsuit was about the city violating the "guns in parks" state law and restricting the carrying of firearms in a city park. The city is continuing to violate this law with the blessing of the NRA.
I know a bit about the amount of insurance fraud that is going on in the Healthcare industry. I certainly can imagine that you fear that one of those fraudulent doctors that bills the insurance company for services that don't exist can come after you when they get caught.