Loading a ScriptableObject at Runtime.

I have a few ScriptableObjects that act as configuration files for various things, like physics layers for example. It lets me keep track of which layers represent physical objects, characters, camera-blockers, etc.

Previously I was using AssetDatabase functions to load the Physics Settings.asset, but now that I have to build it I need to use something else. I'm assuming it's Resources.Load or something, but I can't figure out exactly what the function is supposed to look like. Basically I want to do this, but the configuration file I've created never loads up:

 public static PhysicsSettings GetPhysicsSettingsAt (string path, string name)  {
             
             string fullPath = path + "/" + name;
 
             PhysicsSettings file = Resources.Load (fullPath, typeof (PhysicsSettings)) as PhysicsSettings;
 
             Debug.Log (fullPath);
 
             if (!file) {
                 file = ScriptableObject.CreateInstance<PhysicsSettings> () as PhysicsSettings;
                 file.name = name;
             }
 
             return file;
         }