Block access to credential files (*.env, *.env.local) to prevent AI exposure

@kinopee What will happen is that this will be send to OpenAI (or whatever):

my_secret=123

***DO NOT READ!**
...

Just because the AI says it is not allowed to read it, does not mean that the file is not already being sent.

I find the handling of .env an absolute deal breaker:

Related. Cursorignore etc do nothing for me: CRITICAL .env files are ingested and send to servers - Security Breach

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