> for instance a Dutch person would spell 'mijn' as 'm', 'ij', 'n'
Not anyone under the age of fifty, unless they want to deal with the follow up question too. ("Is that a long or short ij/ei?")
Here's a screenshot from just one random Dutch children's spelling quiz online:
Separate letters for 'ij', despite it formally being a single letter.
Also, when spelling words people use 'ij' as a single letter for instance a Dutch person would spell 'mijn' as 'm', 'ij', 'n' (and they would likely not say 'lange ij' because there is no word 'mein' in Dutch.
It also causes no end of trouble with storing and searching because a Dutch person might expect IJ to be sorted after 'X' but instead it appears sorted as the combination I J . The fact that different reference works use different methods doesn't help either.