this is not really what the article is about.
yes you can read man page, you can find there all possible locations of config files. yet you still don't know where config file is stored. you have to check all the possible locations.
also if there would be some standard so you can query app for its config files, you could make automated backups easily. at least much easier that now.
of course I understand this is completely unrealistic, in software world everyone will do whatever they want..
yes, everyone likes to talk that USD/EUR is risky, you have inflation, you have banks closing and stock market crashing, but so far it seems crypto is much much riskier. I feel much safer having my money in bank than having it on some blockchain, accessible only if I know private key and if I loose it there is 0 change I will ever see any of my money.