From a user standpoint, a lot of of unrecognizable things show up if you pass that -l flag. In my opinion, having a conventional place to look for user configuration in plain text is a good thing, not a bad thing, and of course I would want it to be in the directory on my system where I'm the sole owner. As somebody else mentioned, this means backing up my personal settings and files is braindead simple, too. Asking…
How about the other way is I’ll just stop using your product/service/business that doesn’t respect my machine?