Including plaintext credentials in the remote URL risks inadvertent credentials exposure, as explained in docs https://git-scm.com/docs/git-config#Documentation/git-config.txt-transfercredentialsInUrl
Config key transfer.credentialsInUrl defaults to "allow", but if set to "warn", Git warns the user about plaintext credentials in the remote URL.
$ git clone https://tim:hunter2@example.com/example.git
warning: URL 'https://tim:<redacted>@example.com/example.git' uses plaintext credentialsIn order to nudge users towards more secure practices (namely, using a credential helper), would anyone else be in favour of changing transfer.credentialsInUrl to default to "warn"?
https://github.com/git/git/commit/6dcbdc0d6616d7fbd2445aa2237b22e3c172ea85