Minio is deliberately designed this way. Cloud native applications require strict multitenancy. Minio's approach is to build just enough to meet a single tenant's requirement. Deploy one minio server per tenant or user or customer .. whichever fits you the best. This will allow you to upgrade, customize or bug fix in isolation.
To replicate for HA, use "mc mirror -watch SOURCE TARGET" command to pair them up. If you have multiple drives (JBOD), you can eliminate RAID or ZFS and use Minio's erasure code to pool them up. Distributed version is also in testing at the moment. It should be out in a month.