this might be confusing e.g. if I do not even have .local file but get message that can't read .conf or .local, e.g.

```
WARNING Unable to read either "/etc/fail2ban/action.d/mail-whois-matches.conf" or "/etc/fail2ban/action.d/mail-whois-matches.local"
...
$> ls -l /etc/fail2ban/action.d/mail-whois-matches.*    
-rw------- 1 root root 1594 Dec 24 13:14 /etc/fail2ban/action.d/mail-whois-matches.conf
```