Whatever, the problem is NOT COST. The problem is that a normal pc has a very limited number of harddisk interfaces. Probalby:
- two NVME only
- four SATA
So giving one interface away for something stupid is a pity, and drives you even more in the direction of external usb-devices (which can be nvme-devices
This is a motherboard choice made by the people that engineer the "normal PC" motherboards. Most of us here use server motherboards with SAS/SATA HBA controllers because they provide the ports & resources we need.
With that in mind, you seem to have a couple misconceptions:
1. "harddisk interfaces" should be storage device interfaces. There are several to chose from. ZFS originated on parallel SCSI & FC/AL attached SCSI, most people now days use SATA, SAS, NVMe, and yes even USB. USB is not recommended for storage pools here. Booting from USB used to be recommended until just recently. This storage pool recommendation has solid reasoning and a couple decades of practical experience (aka bad luck) behind it. It's not going to change because you want it to. If you need more ports, get an PCIe HBA. You can even get external SAS ports and toss the drives in a separate case, just like you expect with USB. All SAS HBA's will talk to SATA drives. There's some gotcha regarding mixing and cable lengths, but that's all covered in one of the guides.
2. NVMe devices are PCIe attach devices. That's it. It's a specification, and some PCIe lanes. You want more NVMe devices, grab a x16 paddle board and stick 4 of them in your GPU slot. If your board doesn't support PCIe bifurcation, well... You bought the wrong motherboard. Most M.2 sticks need 4 PCIe lanes. There are other NVMe form factors, and even PCIe switches that will allow you to add more devices. But again, your motherboard has to support the features required to implement switched PCIe. A consumer chipset likely won't allow it. It's only been available in enterprise kit for a couple years.
3. When you stick a NVMe M.2 stick in a USB enclosure, you're adding another device that implements it's own PCIe bus, and presents it as USB attached storage with all the problems that come with USB attached storage.