May be, but I've other experiance.
I renamed all *.crt files to *.trc except the one where http.sslcainfo is pointing to (./mingw64/ssl/certs/ca-bundle.crt) and the https communication works fine.
Then I moved ./mingw64/ssl/certs/ca-bundle.crt to several other places and the "SSL certificate problem: ..." occurs as long as the http.sslcainfo variable was not pointing to it.
Each time I correct the value of http.sslcainfo it works very well.
I find the mechanism to set http.sslcainfo to the certificat to be used a much better way then to manipulate one of the given crt files by installation.
As Admin, I like it to use untouched files on an installation :-) except config files.
Ciao Erwin