It's not hard at all, the ROM thing would be a problem though. We already had FTP, we already know how to push data over four pins (clock, data+, data-, ground), simple serial interfaces and handshaking et al back in the 70's.

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In the old Kermit days, you could type in a ridiculously long string and run EXEC to download your own copy of Kermit.

Thankfully I have never used computers without access to the internet or bulletin boards (and I am one of the older contributors here, by age). On occasions I have been saved by people popping a boot disk for a CP/M computer in the post. I have done the same for others.