Hi Fred.
If you uses a FilesMatch directive to prevent the viewing of .php/.php3/.php4/etc files, then noone will be able to view your pages! 🙂
The way that we handle PHP with our hundred-thousand-or-so customers is that you are not permitted to run PHP unless we activate it for your account. Once activated, you are not permitted to place any kind of username or password within a document that is returned to the browser, parsed or not. (.shtml, .phpx, .asp, etc)
That type of data must be in a .inc file which we explicitly deny access to.
Any kind of AuthConfig configuration the user wishes to use must be in .htaccess (the default) and the password file must be .htpasswd. Since .ht files are not permitted to be viewed by any browsers, all is well.
If you have any other questions, please let me know! 🙂
-Rich