Guess who tends to need Healthcare most often, the poor and the elderly, two groups that don’t tend to have much income to spend on health premiums.
But don’t worry it’s not like ‘you’ will ever be poor or elderly so you shouldn’t care about health coverage for those groups.
Your git solution still has all of these issues, as you need the git server to be alive, for number 3 use something like rsync so you keep a local copy that is backed up if you are concerned about the file share being offline.