CFW? SD card format? Firmware? Installer? Where you got the patches from? It couldn't hurt to be a little more specific.
If you're downloading the patches from the GitHub page, that is your issue. Multiple people report issues with those patches and I don't understand why everyone uses them. The only place everyone should be downloading their patches from is this
thread on GBATemp.
Well like I said, reboot_to_payload.bin is only used when you use the Restart function or have the console crash while in CFW so I don't think that will help you. But I noticed users told you to download some patches but they linked you the wrong place which is probably why you're still having issues. Only ever download patches from this
thread on GBATemp.
Someone made a
guide on how to set custom images in the homebrew menu which may not be exactly what you're looking for but its a start. There are also custom homebrew menu themes made by other users that you can download online.
Keep in mind that even if you remove the account, if you still accidentally go online with emuMMC while running CFW/homebrew, you will still risk getting your entire console banned.