If I can speculate though on why these bundles come from the browser or OS and aren’t fully in the user’s responsibility. You’d have to start from scratch for it to not have a bunch of stuff the user had ‘no need for’ to be present, and the user would need to see a cert window semi-frequently that gives the possibility to start trusting a CA, and the bottom 99.99% of users in sophistication has no idea whether they should say yes or no. I mean, without being signed by a root CA you already trust, even the name on the new CA could be completely made up. “Do you want to trust the ‘Apple Root Certificate Authority’?”