If your account is unimportant to you github shouldn't force you to add layers of security when they literally throw you under the bus in the TOS telling you it is your responsibility.. good let me decide my level of risk.
If you do not have the good sense to lock up such a weapon, then please delete your account.
To my (well-founded) knowledge nobody distributes my code; and if they did they'd have full responsibility. That's what "THE SOFTWARE IS PROVIDED 'AS IS'" means. You don't have to like it and you don't have to use it.
There really is no middle ground unless you develop a relation. Who says i can be trusted? Not me!