If you use the mouse then you want the cursor to appear exactly where you clicked. It's just a UX problem, similar with clicking past the last line of a file, e

If you use the mouse then you want the cursor to appear exactly where you clicked. It's just a UX problem, similar with clicking past the last line of a file, even if it's nothing there, the editor should append new lines until the place that you clicked becomes part of the file.