As you know, if there is no root_owner option, mke2fs use the user and group ID of the user running mke2fs. Let's test it on Ubuntu 22 x86_64 (mke2fs 1.46.5 (30-Dec-2021)):
Generate image
mke2fs -t ext2 -I 256 -E 'lazy_itable_init=0,lazy_journal_init=0' -O '^large_file' -O '^huge_file' -L ext2test 'diskEmpty.img' 102400k
Mount image
gnome-disk-image-mounter -w diskEmpty.img
But only root user can write to this... Why?
Let's test root_owner option:
Generate image
mke2fs -t ext2 -I 256 -E 'root_owner=1000:1000,lazy_itable_init=0,lazy_journal_init=0' -O '^large_file' -O '^huge_file' -L ext2test 'diskEmpty.img' 102400k
Mount image
gnome-disk-image-mounter -w diskEmpty.img
Now I can write to my disk.
Why can't I write to disk without root_owner feature?