I concur, which is why I was a bit surprised by this section of yadm’s webpage:

It can be useful to manage confidential files, like SSH keys, across multiple systems. However, doing so would put plain text data into a Git repository, which often resides on a public system. yadm implements a feature which can make it easy to encrypt and decrypt a set of files so the encrypted version can be maintained in the Git repository.

(emphasis mine)

Source: https://yadm.io/docs/encryption