1. This is isolated.
2. Still, they should get eShop store credit. This will also prevent a class action lawsuit.
3. If you want to avoid this problem or disc scratches, or someone stealing or borrowing your game and never returning it, or your toddler taking a bite out of your game, go digital. I don't regret embracing the digital only life. It's more convenient and creates a much cleaner and minimalist gaming space. I used to be physical only, but I can't even comprehend that perspective anymore since microSD cards are so cheap now.