2. Send the Wii back to nintendo, and wait 2 weeks for it to come back, and pray to god you still have access to your content. And pay some ungodly ammount to have it fixed.
Pay some ungodly amount to have it fixed!! Where did you get that from. I don't think if your system broke for a freakish reason you have to pay for it. My ds had a cracked hinge, that's it. You know what they did? They sent me a brand new one for free. I didn't even pay shipping and handling.
Your right this is an issue, but I don't think something like you describe will happen. $400 in VC games, that's ridiculous. I think the only way that would happen would be over a long period of time, by which this issue will be solved already. Your overthinking it. It's almost like your trying to find faults on purpose.......