Or you can just…not quote the tilde. Folks always seem to reflexively quote “strings” in Bash while not realizing that (almost) everything is a string and most strings are not quoted and it would be odd to do it (e.g. no one is doing `"ls" "-a" "foo"`).
So many headaches could be avoided if we only allowed `[A-Za-z0-9._-]` in paths. (Arguably, even `-` can be problematic.) Encoding issues, expansion, parameter separation, ... and I never saw a convincing case in favor of supporting anything else.
The (classical) Latin alphabet can be fully described by the English alphabet.