the goal is first to switch to the default theme. Upgrading is secondary that.
I am hosting word press on our own domain and servers. from www.remarpro.com
So yes you would have to have be using this kind of install to do what i am saying.
ftp access what not be new to you if you installed it this way. since that is how you install. if i remember right. i am a newbie to wp.org and dont know anything about wordpress.com or how it works.
i am not sure if wordpress.com would throw this error.
but google switching the theme without admin access
if you do have ftp access. see my post above wp-foundation was the theme that locked me out.
i backup up first, and then deleted all the files in my new themes folder and pasted all the files and folders from a theme that works under the old version.