I may be missing something but wouldn’t the environment loading gem you mentioned do exactly what…
Adam Bardsley

We wanted something that could support several configuration files to result in having all Service A credentials in one file, Service B in another file and so on. Also, we wanted a ruby object with instance method to consume the credentials.
It is a matter of preference, you can solve the same problem by using an .env file but when you have many credentials or configuration settings it can get really messy with just one file.