It is not a me problem, which is why Rust has fixed this. You are arguing that functions which mutate parameters generally are not useful, which isn't true. You have implied that I have a lack of knowledge of data structures, my code wouldn't pass code review. Reflect: You are proposing it is preferable to have a simple function accept a whole data structure when it may only act on one or more of its fields, and may be used in other places. That is a semantic misdirection, and provincialization.
Think about why nobody but you is inconvenienced by this. I am sorry, this is a you problem, because you are violating common idioms of the language.
There is basically never a reason not to pass your data structure to a function, which is why what you are doing is an incredibly niche functionality.
Also functions should be particular to data structure. That is why types exists.