I doubt that mounting a filesystem is performance-critical. You could afford to fork an unprivileged user-space process written in Perl to parse these mount options and that would be fast enough for everyone.
Tell that to dockerd mounting images layer by layer , with k8s doing all kinds of emptyDir/PVC mounts on top. Pod start up speeds are abysmal now, they would be positively glacial with userspafe permissions validations
?? The layering unionfs (really aufs or overlayfs) mounts docker does are all in kernel. There's no userspace involvement in the actual file ops. I'm not at all sure what you think any of that has to do with the idea of usermode filesystem handling.
Anyways, on linux userland filesystem stuff (ie. fuse) is slow because the kernel manages the vfs layer and has to mediate. In a system designed for non-privileged vfs it doesn't have to be anywhere near so involved. And beyond that, there's really nothing in particular that a filesystem driver does that needs to be privileged to 'run fast'.
VFS is pretty much the posterchild case for how you can pull things out of a kernel and maintain performance, tbh. There's no reason at all it can't be fast except the kernel getting in the way rather than helping.
That's exactly my point. People who are doing lots of mounts are already demonstrably not performance-sensitive to a difference of a few milliseconds. They already waited 20 minutes for the stupid cluster autoscaler to provision a machine for them. They DGAF.