Adding an actively cooled SSD to spacious desktop builds is not a big deal, but this solution does not work for laptops and mini PCs. In order to solve this problem for the upcoming PCIe 5.0 NVMe SSDs, Phison recommends a jump from 16 nm to 7 nm along with reducing the NAND channel total. Future SSD generations could also use a totally new connector.
https://www.notebookcheck.net/High-end-PCIe-5-0-NVMe-SSDs-apparently-require-active-cooling-Phison-talks-solutions-to-circumvent-this-on-laptops-and-compact-PCs.610468.0.html