Try loosening up the bolts that hold it. They are underneath. 3/16 allen adn a 1/2" wrench if my memory serves me correctly. Mine were like that when I got my bike too. They were tightened down a bit too much.
Scraped floorboards, hell I do that all the time. Sometimes they fold and sometimes they don't, it depends on how hard I hit them. The bike is not designed to lean to far over. So stomp them down if they fold and just ride if they don't.
It's unnerving at first isn't it. I just got my first HD, a fat boy, last week and it took me all of 45 minutes and I'd drug both board through turns. I'm pretty used to it after my last bike, a Suzuki C50 that was lowered.
I did notice that I didn't have any wear indicators like I've seen on other bikes. Do these bike have anything like that?