No, it's not a theory; I'm describing to you how Android has worked for at least the last decade. If you have an Android phone, this is how the device in your hand works today.
It appears that you and I are having different conversations. I said that 1. it is currently possible to run a terminal on Android, which lets you run commands as an unprivileged user on the Android system, and 2. both Android "typical" Linux are perfectly capable of booting into a graphical environment, though non-Android Linuxes frequently allow you to boot to a virtual terminal as well preferentially. Having gone through the whole thread, I guess by "is there an android terminal?" you actually meant to ask "is there an android terminal that gives you a shell inside a transparent VM like ChromeOS does with Crostini?" If that's what you mean, then it's true that that's less developed (though it does exist - https://www.esper.io/blog/android-dessert-bites-13-virtualiz... is one of the better practical guides I've seen for "how do I run a linux VM on my phone?"). Although if that's the main thing you're asking about, I don't understand why we're talking about boot processes at all; VMs in both Android and ChromeOS (and server and desktop Linux, while we're mentioning) are more or less just fancy user applications, they don't affect the boot process.
