Scrolling on `contentInset` area does nothing

[nandorojo]

Description

As of React Native 0.81, if you use the contentInset prop, and then try to scroll on the area which is inset, nothing will happen.

Before (0.79, Expo 53)

✅ Regardless of where you drag your finger, it will scroll.

CleanShot.2025-10-10.at.12.49.24.mp4

After (0.81, Expo 54)

🚨 It will only scroll if you drag from content within the scrollview itself.

CleanShot.2025-10-10.at.12.46.43.mp4

Steps to reproduce

1. Add contentInset={{ top: 300 }} to ScrollView
2. Put something in the scrollview
3. Try scrolling by dragging your finger on the inset area

import { Text, ScrollView } from 'react-native';
  
export default function App() {
  return (
    <ScrollView contentInset={{ top: 300 }}>
      <Text>
        You can only scroll if you drag me here.
      </Text> 
    </ScrollView>
  );
}

React Native Version

0.81.0

Affected Platforms

Runtime - iOS

Output of npx @react-native-community/cli info

N/A reproduced on Expo Snack

Stacktrace or Logs

N/A

MANDATORY Reproducer

https://snack.expo.dev/@vnando/broken-content-inset

Screenshots and Videos

On Expo Snack, you can toggle SDK 53/54 at the bottom to reproduce.