No, because RateLimiter is then copied on passing it around (pass by value).

That is problematic for two reasons: it might be a large type, so copying might be expensive. Second, more likely, it might violate invariants in your domain. For a rate limiter, this might mean accidentally copying around some internal state like a mutex, which then exists n times instead of 1 time, which can represent a problem (e.g. if you want to internally limit whole-app concurrency toward Redis).