> in-place mutability
I’m not sure what this means as.
> why encourage stack allocation
This is the same as C++, things are stack allocated by default and only put on the heap if you request it. Control is imporrant
> what problems with C++ does it solve and at what cost
The big one here is memory safety by default. You cannot have dangling pointers, iterator invalidation, and the like. The cost is that this is done via compile time checks, and you have to learn how to structure code in a way that demonstrates to the compiler that these properties are correct. That takes some time, and is the difficulty people talk about.
Rust also flips a lot of defaults that makes the language simpler. For example, in C++ terms, everything is trivially relocatable, which means Rust can move by default, and decided to eliminate move constructors. Technically Rust has no constructors at all, meaning there’s no rule of 3 or 5. The feeling of Rust code ends up being different than C++ code, as it’s sort of like “what if Modern C++ but with even more functional influence and barely any OOP.”