Well, I can think of only two possible reasons why card.resource would not be added to the system.
a) Memory overlapping the PCMCIA area exist in the system.
b) PCMCIA interface wasn't available at the time MorphOS 'startup' was launched (say maybe different ROM version being softkicked at that time).
I wrote a tiny program that dumps various info about the state of the PCMCIA support:
pcmciacheck.binIt's an amiga executable, and it can be run under both AmigaOS and MorphOS. I'd be interested to see the output from it, both under AOS and MOS.