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I realize that:
• We're on Hacker News, and most Hacker News users will know what that command does.
• Nobody should be running random Terminal commands found on the internet without understanding what they do.
The fact remains that some child might be browsing HN, see this "automation hack", and try running it to find out what happens. There's fundamentally no good reason to post destructive commands without a warning. It isn't funny.
On the other hand, with the tilde, it will just start wiping your personal files right away and will probably not run into any permission errors.
$ git clone git@github.com:dotfiles '$HOME'
Cloning into '$HOME'...
*ugh...*
$ rm -rf $HOME
*wait...*
$ cd $HOME
cd: no such file or directory: /Users/admin
*fuuuuuuuu*