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"Rampant" is a particular stylized heraldic posture that it's almost impossible for a horse to achieve in real life (nearly vertical, with only the left hind hoof touching the ground.) A rampant horse never has a rider.
If you are familiar with the correct meaning of "rampant", the trope name is inaccurate since it covers all varieties of rearing, with and without tack or a rider.
If you are unfamiliar with the word "rampant" it can be confusing; several people said that they though it meant "rampaging".