Almost every program that we run has access to the environment, so nothing stops them from curling our credentials to some nefarious server.
Why don't we put credentials in files and then pass them to the programs that need them? Maybe coupled with some mechanism that prevents executables from reading any random file except those approved.
I have a rule that credentials in environment variables are to only ever be loaded as needed via some sort of secrets manager, optionally adding a wrapper script to do so transparently.
The whole point of passing secrets as environment variables is to avoid having things in files in plain and in known locations easy to scrape up by any malware.
Now we have people going full circle and slapping those into a .env file.