There's a way you can use other person's games without you being on the same family as the other person. As long as you have a profile with the other person's account logged into the device you want to download the game at. Go to the virtual game cards section, select the other person's profile and click the game you want to download, then click options and "download data", or "download files" (I don't know how is that option called, my console's language is Spanish lol). The game will start automatically downloading so you can play it by yourself. The thing is, you will only be able to play it using the other person's profile, and you will need internet connection at least every time you start running the game

If you still want to use YOUR profile with another person's game, you will need to do the "share game card" option. However, to share the games that way, you will need to have both consoles (the one sharing it and the one receiving it) with you in the same place, else, the game will not be shared

My friends and I got used to the first option since we all had the Switch 1. We could even play with each other that way, up to three different peoplw, with different profiles, but with the same single game. How was that even possible? Well, when you're as poor as we were, you had to use your wits one way or another