Test parent directory of .netrc file is writable before using it

https://ci.swift.org/job/swift-PR-source-compat-suite-debug/4058/

```
$ sandbox-exec -f /Users/buildnode/jenkins/workspace-private/swift-source-compat-suite-sandbox/sandbox_package.sb /Users/buildnode/jenkins/workspace-private/swift-PR-source-compat-suite-debug/build/compat_macos/install/toolchain/usr/bin/swift package --disable-sandbox -C /Users/buildnode/jenkins/workspace/swift-PR-source-compat-suite-debug/swift-source-compat-suite/project_cache/GRDB.swift clean
warning: '--chdir/-C' option is deprecated; use '--package-path' instead
warning: Failed to load .netrc file at /Users/buildnode/.netrc. Error: unreadableFile(<AbsolutePath:"/Users/buildnode/.netrc">)
error: other(1)
```

Not sure if the `other(1)` error is `.netrc` related. Trying to see if
this code change will fix it.

rdar://88308095

Author: yim-lee

Sources/Commands/SwiftTool.swift

@@ -609,6 +609,13 @@ public class SwiftTool {
             // User didn't tell us to use these .netrc files so be more lenient with errors
             func loadNetrcNoThrows(at path: AbsolutePath) -> NetrcAuthorizationProvider? {
                 guard localFileSystem.exists(path) else { return nil }
+                
+                do {
+                    try withTemporaryFile(dir: path.parentDirectory) { _ in }
+                } catch {
+                    self.observabilityScope.emit(warning: "\(path.parentDirectory) is not accessible or not writable, not using .netrc file in it: \(error)")
+                    return nil
+                }
 
                 do {
                     return try NetrcAuthorizationProvider(path: path, fileSystem: localFileSystem)