More can go wrong with digital than you think.
1. You lose access to your games if your account is compromised. You're also not technically purchasing the game, just the license to USE the game. Purchasing physical means you OWN the product.
2. if eShop servers close or die, you lose access to your game. Physical, you only lose out on updates.
3. Higher cost of purchase due to needing external storage (mSD cards). This one isn't much of a point, but you don't need as much external storage with physical.
1. You're far more likely to lose your physical carts or have them stolen in a break-in than have someone target you and bypass your account protection. But thankfully, Nintendo support can be really good! For example,
this person got their hacked account back by calling Customer Support. Not so easy getting the police to chase down your stolen games lol
Also,
all game purchases, physical
or digital, are legally treated as if you're purchasing the license, not a product. A link to this
legal agreement is printed on the back of my PS4 game cases, which tells me that Sony is only licensing the software to me not selling it. It says they can withdraw my ability to play this game if they deem my use of it is "unauthorized". Switch game cases even say that Nintendo is not liable if I do something unauthorized and then the game or console become permanently unplayable! It's weird, but technically, you don't own a product even when you're holding the cart in your hands. I think it's the same with discs for installing Windows OS.
2. If you've downloaded and are playing game, eShop servers closing does not remove the game from your console. If you deleted the game, sure, but then the physical equivalent would be having given the game away, in which case you also don't have it anymore. And while you're right that this can be the case, keep in mind that
you can still download your digital Wii purchases even though the Wii Shop closed (you just can't buy new games).
3. Fair enough. But this only applies if you're going all-digital. The Switch comes with 32 GB of internal storage – more than enough for Animal Crossing (6.2 GB).
The biggest difference is that you can't resell the game. That's a major difference in rights. So I do understand preferring physical and will sometimes opt for it. But if people are worried they can't get their preferred physical copy, they don't need to worry too much about having to go digital for this one game.