The way you worded that makes me think that you think Nintendo’s own games aren’t on the cartridge for Switch 2. They are. All physical Nintendo-published games must by policy be contained on the cartridge, not be a game-key card. The only exception (so far) is Pokemon Pokopia due to Game Freak not being wholly owned by Nintendo and thus not being required to follow the same policy.
Otherwise, 99.9% of third-party games are sadly game-key cards only.
The way you worded that makes me think that you think Nintendo’s own games aren’t on the cartridge for Switch 2. They are. All physical Nintendo-published games must by policy be contained on the cartridge, not be a game-key card. The only exception (so far) is Pokemon Pokopia due to Game Freak not being wholly owned by Nintendo and thus not being required to follow the same policy.
Otherwise, 99.9% of third-party games are sadly game-key cards only.