It's not as simple as that.

Roc does static reference counting too, otherwise it wouldn't be able to do opportunistic in place mutation. It can do static reference counting up to a known compile time bound, whereas rust can only count to one. Both of them can do runtime reference counting, but it's implicit in roc and explicit with Rc and Arc in rust.

For example, consider the pseudocode
{
h = "Hello, "
hw = h + "world."
hm = h + "Mum!"
}

In real life, this could be something less swervable.

Roc counts, at compile time, 1,2,3,0, drop. No problem.

Depending on how you declare these variables (with what additional keywords, symbols, string types and concepts), rust counts, at compile time, 1,release,1,2! No no no stop broken! Bad programmer! This was in this case an unnecessary premature optimisation. That's what I mean by rust counts references, but only counts up to 1.

The borrow checker is a static reference counter with an arbitrary number of immutable references that you must declare explicitly and a maximum of one mutable reference that you declare explicitly with mut or let under different circumstances. Arc and Rc are runtime reference counters that you declare explicitly. This is essentially all tracked in the type system.

Roc does the static reference counting and if the total doesn't rise above rust's maximum of 1, uses in place mutation (as opposed to the default immutability). If it is bounded it can use static (compile time) reference counting so that when, for example, all four local references fall out of scope, the memory is dropped. If the number is unbounded (eg parameter passing recursion that can't be tail-cpseudocode ilarly removed), runtime reference counting is used. This is all essentially tracked in the runtime system, but calls to clone are automated in roc. A beginner absolutely can write a memory hog in roc, but the same beginner is likely to overuse clone in rust and write a similar memory hog.

runtime check. Which in turn results in a runtime performance.

If you're calling drop on a mutable string that's been extended repeatedly, you're recursively dropping all kinds of mess all over the heap. Checking for zero beforehand has an insignificant impact. Those cache misses you had because rust pays less attention to "where" than it does to "whether", they cost you a lot more than the reference count check. In the real world, in practice, under profiling of real code, the cache misses and the branch misses are more expensive than the reference counting.

You sound a little bit like a C programmer who claims his code is fast because his arrays don't do bounds checking. That's not why C is fast. Similarly rust isn't fast because it never does runtime reference counting. It does sometimes, but that code isn't pathologically slow.

Also, rust isn't just fast because of the borrow checker, primarily it's memory safe because of the borrow checker.

If it's any consolation, afaik, most of the roc platforms are written in rust. Also afaik only application specific code is written in roc. There are no memory management primitives in roc code unless a platform author exposes them in their api/interface, and I don't think anyone is working on implementing C on top of roc.