Working on Ignition rootfs replacement it took me a while to understand why using ext4 was failing; it turned out to be that the ext4 default doesn't enable quota, and the kernel was barfing at the flag requiring it.

We are just using this flag for our XFS default.

The only thing that comes to mind right now is to have a /.rootfs-default-mount-options or so, which we use only if the rootfs is not being replaced via Ignition.