RHEL 10 must be configured so that the Secure Shell (SSH) daemon performs strict mode checking of home directory configuration files.
If other users have access to modify user-specific SSH configuration files, they may be able to log in to the system as another user.
OpenSSH uses the first occurrence of a keyword it sees, and drop-in files are read in lexicographical order at the start of the configuration. Red Hat recommends using drop-in files rather than changing base configuration files.
How this relates to the STIG checklist: STIG vs SCAP benchmark.