Not everyone has Xcode installed. For those of us who have only installed the Command Line Tools, you will find the Apple supplied git at /Library/Developer/CommandLineTools/usr/bin/git so the command to disable this vulnerable version is: sudo chmod -x /Library/Developer/CommandLineTools/usr/bin/git
I would recommend also installing an updated git through homebrew and using that instead.
There is nothing hugely special about their tools - every other app apparently has to install into a different location as best practice, so I don't understand why Apple don't follow their own guidelines!