Hi crashes when $HOME/.hirc doesn't exist.

Invoking hi like
```
hi -p 'Foo' -m 'Foo.Bar' -a 'Horst Schlemmer' -e 'somebody@somwhere.com'
```
Without a .hirc file in $HOME crashes with
```
hi: $HOME/.hirc: openFile: does not exist (No such file or directory)
```
Tested with 55b02b1e6b