On a shared server, you rarely can really protect your MySQL user/pass from 
other users on the same server.



The problem is that your PHP process is probably an Apache module, and you 
probably don't have your own separate pool of Apache User processes.



So, by definition, if YOUR script can read the .php file and load it and get 
the user/pass to use them, then ANY .php file can load the file and get the 
user/pass to abuse them.



You have to weigh this risk with the value/secrecy/privacy of the data, and 
decide what to do.



You might have to move to a dedicated server.  You might not.



You might just add a barrier for the absolutely crucial fields of 2-way 
encrypting them in PHP.  Of course, the bad person can then read your other 
.php file to find the 2-way de-cryption, but it's more steps for them to go 
through, and if the data isn't THAT interesting, they won't.



You would NOT want to do this for:

credit card info (which probably doesn't need storing anyway)

SSN

medical info



But you might not care all THAT much for yet another shopping cart or a blog 
etc.



Keep backups though, just in case a rogue user does mess you up!



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