I had to look up that ten-dollar thing. Thankfully I don't think that's a thing yet in the Nintendo world, aside from preorder bonuses.

There have been physical releases that are just a download code in a box, or a game card that contains only one of the two included games, with the second being provided as a paper download code. In those cases the redemption is tied to an individual's Nintendo account. I wouldn't buy any of those, though I'll admit to buying another release (BioShock Trilogy) that was a physical game card with no games stored on it, just launchers for downloading the three games from Nintendo. But at least in that case nothing is account-locked and lending/resale is possible: pop the card in, download the games and play them for as long as the card is in your system.