[alcazarx]

Do you know about security?

htaccess doesnt encrypt passwords, its just a file with some rules in it.
It can use them using htpasswd.

not using encrypted passwords means that if the ftp is compromised then the database is automatically compromised as well, it wouldn't be the case with encrypted password, think before you type something really stupid

If you read some posts before you should know that if a hacker has access to your webspace / shell / hosting panel etc. plain text files are your least problem.
Even if you would encrypt the content, it has to be decrypted to make use of it. So can the hacker, since he can find the algorithm used in the files.

And as said here, most, if not all scripts (Forum, Chat, CMS, Blog etc.) that use a database store their config data plain text in files, so its not "vB only" problem.