This is the reason so many people don't like YAML. They don't know how to use it right, and they keep fucking it up, getting pissed off, and not learning their lesson.
Don't write YAML by hand and it works fine. And maybe read the spec...
While we're on the subject - Did you know you don't have to pick from 3 existing formats? You are allowed to make your own new configuration formats. And you are allowed to make them not be some perfect universal solution for all configuration needs for all programs.
Back in the day, every program invented its own configuration format, with features designed just for what that one program needed to do. They were ugly and not based on any kind of "principles" or "best practice" or trendy bullshit found on a social media site for nerds. It was just whatever the user found easiest that worked. No standards, just a wonky configuration that worked great for that one program. And guess what? All those weird formats, they are still around today, because the programs are still around, because they are useful and work.
Get off of HN and make something unique that you find useful. Don't ask people on here if it's good, just use it. If it works for you, it's good enough.