Unfortunately, scammers will start operating mints without relieving their identities of course and do this so well that they will gain enough trust to hold substantial amounts of btc. Then, they will rug pull. There has to be some kind of collateral that the mint locks on-chain, which gets lost/donated if the mint does not allow users to pull their funds.
I appreciate the effort, but even if we assume that mint operators are good people and will not rug pull their users, who in the right mind would take the risk to run a big/reputable mint when they could easily get charged with money laundering and unlicensed money transmission operations?