BUG: Git path --config doesn't work with ~ symbol

[Theodor Negrescu <theodor.negrescu@gmail.com>]

Thank you for filling out a Git bug report!
Please answer the following questions to help us understand your issue.

What did you do before the bug happened? (Steps to reproduce your issue)

I ran the command "git config --file ~/git-settings/.gitconfig -l"
(git-settings is a repo where I keep my config, the global one is just
an include)

What did you expect to happen? (Expected behavior)

It would list the settings in the file.

What happened instead? (Actual behavior)

fatal: unable to read config file '~/git-settings/.gitconfig': No such
file or directory

What's different between what you expected and what actually happened?

The ~ symbol should point to my home folder.

Anything else you want to add:

"git config --file ~/.gitconfig -l" doesn't work either so the ~
symbol is the problem.
fatal: unable to read config file '~/.gitconfig': No such file or directory
"git config --file .gitconfig -l" works when I run it from my home
folder or from git-settings so the --file argument is working.

[System Info]
git version:
git version 2.31.1.windows.1
cpu: x86_64
built from commit: c5f0be26a7e3846e3b6268d1c6c4800d838c6bbb
sizeof-long: 4
sizeof-size_t: 8
shell-path: /bin/sh
feature: fsmonitor--daemon
uname: Windows 10.0 19042
compiler info: gnuc: 10.2
libc info: no libc information available
$SHELL (typically, interactive shell): <unset>


[Enabled Hooks]
not run from a git repository - no hooks to show