All of the issues are not caused by Rosalina, but instead by a combination of two things:
- Not activating region emulation which causes an exception to be thrown for out of region games, leading directly into...
- The new exception handler that throws exceptions no matter what, even if they're typically non-fatal
The solution here is to download luma 8.1 and download luma locale switcher RVC from TitleDB. Then use Luma Locale Switcher to set the game's locale (for example, if you're using a US console and the game is EUR, set the region to EUR and language to EN), and enable game patching in the luma settings. You may also elect to disable to exception handler.
This will allow you to both keep Luma3DS 8.1 and play any game without issue.