I think you guys are looking at this the wrong way, i have a simple idea thats probably very possible to do and most likely on many versions, and it is to be disconnected from your nintendo account and running something on Homebrew that allows unlimited purchases without paying. I mean playcoinsetter was uploaded very early in the dev of homebrew and yet its was able to affect your 3ds so much.. So instead of downloading the rom you could just go to the eShop and download any games w/o paying. Of course, nintendo probably has a bypass for these kind of things when if was first launched, but its worth a shot.
(by the way can i mention that if we manage to get the full power from the 3ds, we would get even faster games than normal because it wouldn't have to run the start menu?)