Muck/keto is used almost exclusively on rocks and slabs where the soil dries out way faster than pots. There is a big difference between keto on a rock slab and keto as the primary soil in a pot. i have some juniers planted on a rock. The roots are just covered with keto/muck. The roots have now grown down through the clay into the gravel below the rock.
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Mounded soil can be covered with slabs of moss. Not only does it look really good like grass but it holds the soil together while the tree roots grow through to hold it all together.
Sphagnum or stones on the surface can hold soil together long enough for the tree's fine roots to grow to the surface and hold the soil in place.
If some soil washes away before it stabilizes just add some more as required.
A visiting Japanese master criticized some trees for being planted too high in the pot. He said nebari should not be above the rim of the pot. Not sure if that was a personal view or generally held in Japan. Obviously only applies to standard bonsai pots, not slabs or rocks plantings.