To each their own, but I would rather have homebrew and get banned for it than not have homebrew at all. Homebrew has breathed new life into my Switch. I have a 5 year old son that plays on my Switch at work, and since "Daddy's saves have all the good stuff unlocked" he's constantly messing with my saves. For instance, in Super Mario Odyssey he spends all my coins on power moons that I don't need, so I can't save them towards expensive costumes like the skeleton. In Pokemon Quest, he keeps spending all my PM tickets on recharging the "battery", so I can't save up and buy the decorations in the shop.
And stupidly enough, the only thing I can do to stop him from doing that is taking the Switch away entirely. There's no way of protecting my profile with a pin code or password (which any other modern console will allow you to do...), and of course if I take the Switch away then I'm the bad guy...
But thanks to Checkpoint (and I guess any other save backup / editor tool), problem solved! I just backup my saves when I'm done playing, and hand the Switch over to my son. He can do whatever he wants to my saves, and I just restore them back when I'm ready to play. Now he's happy because he gets to spend all my in-game currency without me getting aggravated with him, and I'm happy too.
Without homebrew, my only alternatives would be to ban my son from my Switch (which would put me in hot water with the wife, so I'd end up being banned from it too...) or buy a second Switch just for him to use (an extra expense that also would not go over well with the wife...) Homebrew has made my Switch fun again, at least for me. And the emulators are great too.
I have no real interest in piracy, but I sure would love a safe backup loading method that I could use online with my own personal backups. Just so that I can store all my cartridges safely, and let my son have access to my full library of Switch games without worrying about him losing them. And yes, I know I could have bought them from the eShop instead, but I prefer physical cartridges because 10-20 years down the road if for whatever reason I need to factory reset my Switch, the online play and eShop may no longer exist. By that time I'm sure we'll have a better backup loading solution though.