I actually tried to point out that configurability _is_ very possible with such an API.
Your complexity argument does not hold. If I can control something with a C API, why not with a file API?
Take atomicity as an example. C has no inherent concept of atomicity. Yet you can acheive atomicity by using C. So why not with a REST or file-based interface?
You also mention speed. Interesting since complexity and performance worries are the two roots to premature optimization if you ask me. Since this solution is still on a concept level I am of the opinion that one should avoid such discussions at this stage. But I see no _inherent_ speed limitations in a file-based API. Send binary data if you want. Text is only for readability.