Yes, then it breaks because you gave your artist an SSH link to clone and LFS requires a HTTPS auth token and exits with terse errors.

Or, you need to lock your files and git doesn't really support that.

To be fair, your hypothetical is true: UE5 supports Git as a backend, you don't need to run git commands (most of the time), but in practice even in the best circumstances: Git for game dev is brittle, slow, and extremely space inefficient.

Worse still: people try pushing their "short lived branches" workflow when using Git, which is *not* how gamedev works, especially for artists. Longer lived changesets are more common. (in Perforce these are called Shelves).