This would violate POLA and break, among other things already noted, things
like fingerd, which wants to run with least-privilege but still access
.plan and .project files.

Security is a process and requires conscious thought by an administrator,
and default permissions on home directories are no different and easily
tailored away from the expected defaults.

-- 
Mason Loring Bliss  ((   If I have not seen as far as others, it is because
 ma...@blisses.org   ))   giants were standing on my shoulders. - Hal Abelson

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