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I weep that people using GIT , who you would expect are programmers or at-least IT savvy, think it is a "server system"

Same reasoning I suspect that people think if it's in the cloud or 365 you don't need to waste money on backup storage, "because the providers have their own backups"

Or the people hiring IT staff in Hong Kong based on "tell us your current salary or we won't look at your CV"... nice......