Yes, but I feel like the other thing you need to keep in mind here is that this is going to be a massive pain for a lot of people, and they might end up doing things that are substantially worse for security, like refusing to update their git.
It’s possible, but I doubt it. 99% of people use a personal computer with just a single user account on it (or they use a phone with no git client, so let’s just think about git users for now). With only one real user account on the machine they are not very likely to encounter this security measure.
Not exactly. Inside the docker container, the files you have bind–mounted will be owned by the same user who runs the git binary. You’ll never even notice the security check.