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Nothing stops us from have a post-mortem discussion on a closed issue :)
The rationale for only doing the check for .netrc is that that is backward-compatibility-wise fairly safe, because other tools will already be insisting on the same security. But for arbitrary files being parsed for arbitrary purposes by python-based tools, suddenly throwing an error if there is a password in the file could easily break things.
This doesn't necessarily prevent us from making the security even more strict in 3.4, but that is a more complex discussion (involving what purposes netrc-on-other-than-.netrc is used for in the real world), and should be a separate issue in this tracker, if you want to raise the proposal.