Because the user asked for a clone, where she reasonably expects a git
repository with all the [core] and the initial [remote "origin"] settings
to be written as it should be, _even if_ setting the config to somewhere
else? Hmm?
IMITCNVHO it would be a serious mistake to write the config somewhere else
with "clone".
If that still does not convince you, "git init" also writes to
".git/config" regardless of the user's (possibly bogus) GIT_CONFIG.
It is just such a basic thing that you must _not_ use GIT_CONFIG for
writing with git clone or git init.
Ciao,
Dscho
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