If we don't have a core.attributesfile configured, we fall
back to checking XDG config, which is usually
$HOME/.config/git/attributes.

However, if $HOME is unset, then home_config_paths will return
NULL, and we end up calling fopen(NULL).

Depending on your system, this may or may not cause the
accompanying test to fail (e.g., on Linux and glibc, the
address will go straight to open, which will return EFAULT).
However, valgrind will reliably notice the error.
Signed-off-by: NJeff King <peff@peff.net>
Signed-off-by: NJunio C Hamano <gitster@pobox.com>