`ref` in or-pattern less powerful than match ergonomics

[lcnr]

// error
fn bind_by_ref(x: Option<u32>, y: Option<&u32>) {
    match (x, y) {
        (Some(ref x), _) | (_, Some(x)) => {}
        _ => {}
    }
}

// ok
fn match_ergonomics(x: Option<u32>, y: Option<&u32>) {
    match (&x, y) {
        (Some(x), _) | (_, Some(x)) => {}
        _ => {}
    }
}

ideally bind_by_ref also compiles.