If you open up one of those index.html files, you'll see they are essentially empty:
Code:
<html>
<head>
<title></title>
<meta content="">
<style></style>
</head>
<body></body>
</html>
An .htaccess file will typically contain:
Code:
<Files *.php>
Order Deny,Allow
Deny from all
</Files>
In a standard install, these will be included automatically, and if you later "move" your webshop to another server, these little files go with it and don't (generally) need changing. Sometimes, servers are set up differently, and .htaccess can be problematic - particularly on windows servers.
Host on a linux box, and ZC is as rubust as fort knox.
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