Then it is almost amazing, because in a phone (and termux) your fingers are the mouse.
You can do scrolls with youres fingeries too, if you add
(global-set-key (kbd "<mouse-5>") 'scroll-up-command)
(global-set-key (kbd "<mouse-4>") 'scroll-down-command)
Somebody should study howto turn long finger press into emacs cut/paste. Now it is regular Android cut/paste, which is little cumbersome.It also seems that you do need to enter lines before the cursor will position below the end of the file (which for an empty file is at the top of the window).
Otherwise, for me, in an xterm, with -floatmouse and -mouse activated, cursor positioning via the mouse in an xterm works just fine.
If you already have text in the file, then just -mouse allows positioning on the existing text.
It's insert-mode only but well-worth giving a whirl for faster edits.
I think even notepad has it actually, in insert mode. I can't imagine that Linux doesn't have something similar.
You reminded me, I think pedit, breeze (both really good) or one of the other MS-DOS editors I used earlier this year had that now that you mention it. But better desktop integration would be needed in this case anyway...
set virtualedit=all
which allows cursor to be moved anywhere in normal mode