Unlucky. You don't seem to be short of flashcarts though. I got lucky. Mine's an R4i Gold which by the web address does feature on the list of compatible cards and so far I haven't found anything that doesn't work.
Have a look for dldiextract.nds. It might not be easy to find but I can't post links. It will dump your DLDI file (obviously run it with the stock kernel) to the root of your MicroSD. You should be able to identify what it is actually a clone of, and from that and find the right files for your...
linfoxdomain(dot)com(/)nintendo(/)ds(/), find 'r4igold.cn' and you want v1.14b in your prefered language. Edit: having looked above, I may be wrong but that was the one I needed.
You can buy drm free games / music / ebooks, and if you keep backups of your data (like documents and family photos etc), then you shouldn't lose the game. but with a disk, your toddler could put it in the toaster and there goes your $60