I have only one workaround idea,
you can add to your main content layout only top and bottom padding (or margin).
<FrameLayout xmlns:android="http://schemas.android.com/apk/res/android"
xmlns:tools="http://schemas.android.com/tools"
xmlns:fab="http://schemas.android.com/apk/res-auto"
android:layout_width="match_parent"
android:layout_height="match_parent"
android:paddingTop="4dp"
android:paddingBottom="4dp">
Then RecyclerView without defining styles, like this:
<android.support.v7.widget.RecyclerView
android:id="@+id/cardList"
android:layout_width="match_parent"
android:layout_height="match_parent"
android:scrollbars="vertical"/>
and if you use CardView or other element, you can add left and right borders to him, then scrollbar keep on right side and element is not until the edges:
<android.support.v7.widget.CardView
xmlns:card_view="http://schemas.android.com/apk/res-auto"
xmlns:android="http://schemas.android.com/apk/res/android"
android:layout_marginLeft="6dp"
android:layout_marginStart="6dp"
android:layout_marginRight="6dp"
android:layout_marginEnd="6dp">