We'll create a detached bare repository somewhere tucked inside, point the work tree to your home, and more:

Create a bare repository in .config/config.git: git init --bare

Now, let's change our minds and set a working tree:

git config core.bare false
git config core.worktree /home/rafi   ; NO TRAILING SLASH!

Make sure to create ~/.gitignore that will at least include /.config/config.git among other garbage you don't want collected by Git.

Prepare an alias in ~/.bash_aliases or ~/.bashrc:

alias gith='git --git-dir=/home/rafi/.config/config.git'

Now cd into your home folder, and run gith status, notice the h 😉. You can now start treating your home folder like a Git repository, using gith.