def create_config(allow_insecure_config_file=False):
    """
    Create config based on /etc/ddsclient.conf and ~/.ddsclient.conf($DDSCLIENT_CONF)
    :param allow_insecure_config_file: bool: when true we will not check ~/.ddsclient permissions.
    :return: Config with the configuration to use for DDSClient.
    """
    config = Config()
    config.add_properties(GLOBAL_CONFIG_FILENAME)
    user_config_filename = get_user_config_filename()
    if user_config_filename == LOCAL_CONFIG_FILENAME and not allow_insecure_config_file:
        verify_file_private(user_config_filename)
    config.add_properties(user_config_filename)
    return config