The (warez) scene consists only of the rom dumping groups and Gateway, no one else. The homebrew scene could probably release a rom loader easily, but they will never do it, because they don't support piracy. It seems even a homebrew program loader is out of the question, for fear it might be modified to load roms.What would be really funny is if while they spend months adding obfuscation in the code to make it more difficult to reverse engineer and more code to brick other carts - the scene releases a homebrew loader and emuNAND that words off of the SD card effectively eliminating the market for 3DS carts.
I would laugh so hard at all the profits that they don't get because they were greedy f's.
So, basically, don't hold your breath for this to happen.