Normally, the game cartridge slot can be updated by any firmware update. It basically has its own firmware
Note that hekate has an option called nogc, which prevents the cartreader from updating its firmware.
If you are on a newer firmware and have this option enabled, you will not be able to use the cart reader.
This features was added to be able to downgrade to a lower firmware again in case a super hack was found.
But that hack was never found so there isn't really any purpose in enabling that feature imho.
If you have an unpatched Switch and your Switch won't turn on without TegraRCM, then you probably have AutoRCM enabled.
When you power on the Switch, it will automatically wait for a payload to be injected.
You'll only see a back screen that is very dimly lighting up.
You can disable AutoRCM but then you need your jig and payload injector every time you reboot/start your Swtch.
With AutoRCM, you at least don't need the jig.