There shouldn't need to be a better way. There are lots of places where using a MIG cart is legal to download games you have already purchased from the physical cartridge.
It's bullshit that they have somehow normalized the idea that they have the right to do this to paying customers in the first place.
The short answer is there's a good chunk of Americans on some form of Medicaid (regardless of what name it wears) and in exchange for healthcare provided by the government, they give access of their medical PII to the government because the government is their healthcare insurance provider.