I think the point is that X years from now, when the servers are turned off, you don’t actually have the game.
That's true, but Nintendo has been good about this. You can still download your digital purchases from the Wii, Wii U and 3DS stores just fine.
I believe that is largely true even if they shipped a game on the cart. Many games ship broken, and they also change many times over the course of their life. I don't think official media can be considered any part of a future accessibility strategy for at least a decade now. Game keycards don't change that fact in any way.