As always, it's the software pricing that makes everything absurd. They jumped straight to $80 in a mere 2-3 years for them after Tears of the Kingdom's $70. And Mario Kart hits further beyond with $90. I wonder how that will fare in this economy. Will consumers still take upon that because Mario?
my point being: due to the risks assumed (someone can click a button and rob the product from you), the rights lost (cannot exchange games with your cousin), and the general lack of consumer protections on digital rentals aka. licenses, I'm a firm believer that their price should be 20 to 50% of what a proper physical copy costs; starting from the fact that you cannot spend $80 on a game, enjoy it, then resell it for $60 or so as we all ought to be able to do in all cases no matter what.
The 3DS homebrew community has built some tools to attempt to recover failing carts, but for long term ownership your best bet is digital copies that can be backed up. Homebrew that enables dumping carts is also good, but who knows when that'll happen for new consoles.