Using wordfence is awesome. Using wordfence on AWS Lightsail preconfigured instances is a pain. Here's how to fix 'user.ini' being accessible.
cp /opt/bitnami/apache/conf/vhosts/htaccess/wordpress-htaccess.conf /opt/bitnami/apache/conf/vhosts/htaccess/wordpress-htaccess.conf.old
sudo nano /opt/bitnami/apache/conf/vhosts/htaccess/wordpress-htaccess.conf
Paste the following at the bottom of the file, then save, exit, and reboot.
#<Directory "/opt/bitnami/wordpress/">
#<IfModule mod_rewrite.c>
# RewriteEngine On
# RewriteCond %{REQUEST_URI} ^/?\.user\.ini$
# RewriteRule .* - [F,L,NC]
#</IfModule>
#<IfModule !mod_rewrite.c>
# <Files ".user.ini">
# <IfModule mod_authz_core.c>
# Require all denied
# </IfModule>
# <IfModule !mod_authz_core.c>
# Order deny,allow
# Deny from all
# </IfModule>
# </Files>
#</IfModule>
#</Directory>
# Wordfence WAF
<Files ".user.ini">
<IfModule mod_authz_core.c>
Require all denied
</IfModule>
<IfModule !mod_authz_core.c>
Order deny,allow
Deny from all
</IfModule>
</Files>
# END Wordfence WAF