In a GC'd language without an effects system, passing in a reference to the outer structure would still prevent the GC from freeing the outer structure (depending on the ABI, even if you null out the reference passed outer reference inside the function, the value passed on the stack might be immutable) and would also mean that you need to be careful about later changes causing non-thread-safe mutations to the outer structure. If your language isn't GC'd and doesn't have an effects system, then you need to manually keep track of the borrowing.

These aren't artifacts of Rust's type system; they're genuine side effects that are present but more subtle in other languages.