There are a bunch of implementation, OS-reliability and security issues to be thought through. If the BIOS just goes looking for attached "memory disks" and maps them into the 64-bit physical address space seen by the CPU(s) then BIOS memcheck diags, BIOS functions that zero all of memory and the like have to be VERY careful to still understand what is built-in-local-run-time memory and what is some poor sods "memory disk" with a file-system that they care very much about.
Similarly if the "memory disks" are mapped into physical address space by some OS loader code (or done already by the BIOS) - the OS has to be VERY careful with its physical address space management, not to accidentally zero some pages that are somebody's file system storage.