https://github.com/EReis0/PowerShell-Modules/blob/main/Modules/KitchenSink/Functions/New-CredsTxtFile.ps1
If account A creates the secured file and then account B tries to use it, the process would fail because it is not able to unencrypt the secured file. Sometimes the password might need to be updated but sometimes it's just a matter of who and how it was created.