Something as huge as the Mac mini could easily have a regular m.2 NVMe socket. Apple could presumably still do their proprietary thing with direct NAND access through the same physical socket, while still letting you swap in your own SSD that brings its own controller... but this would interfere with their goal of profiting from crazy upgrade pricing.
For Mac Studio, the NAND actually was socketed; it just used a proprietary connector instead of letting you bring your own SSD, so it still offered no aftermarket upgrade path to extend the life of these machines.