Not exactly. A private repo is entirely private. You might have an open source project which has some deployment secrets etc that you want to check in to git. All the code and config is perfectly safe to expose to the internet, but you want to hide a specific file.

I think this pattern was common for things like Ansible and Terraform configs and dotfiles.

We started using git-crypt hurriedly and out of necessity/paranoia from the time we heard that our GitLab instance could've been compromised due to a "anyone can be admin" class exploit that had just been disclosed. This must've been a fair few years ago.

Don't trust private repos to be private!