A fellow f150 owner reached out to me. He had the phaser rattle, got it fixed. He developed the top end knock that I am having. The dealer found similar failure, but the lobes were gone and sent metal through the engine. They put a long block in his truck. Another Expedition owner had the same issue with cams.
So, I guess more cases will start to show up as these vehicles age.
Remember, this is the Gen 2 Ecoboost used from 2017 to 2020 (or 2021). The Gen 1 used bucket lifters.