You have no time, but plenty of money, so you are willing to spend extra money just for the sake of having no time AND no money? Get that corpo dick out of your mouth.
No, at least in the US, you can only back up your own ROM if you own the game, not download someone else’s backup. The real problem here is that Nintendo’s (idiotic) stance is ALL emulation/backups are piracy and here they are being hypocrites about it.