Originally Posted by Jason @ streetwerke
Good tip from rjcbear.
People need to understand that for some reason, X-Cart thought it would be really funny to have the default .htaccess file include the text:
So, you must change it or create a new file. I simply edited it, and copied it to my two image folders (Thumbnails & Detailed Images) that I have created under the .../xcart/files/ directory.
Also, you won't see the .htaccess files on most FTP programs. They are hidden files. I have to use my Control Panel File Manager application (off of my hosted server) to see them.
the reason was that its where your downloadable products get stored if you sell that kind of stuff