UnicodeDecodeError during parsing Config file

[amritghimire]

We had an repository using GITCRYPT for the config file. As a result, during the parsing of repo in Studio, we had the error as below:

UnicodeDecodeError: 'utf-8' codec can't decode byte 0x93 in position 17: invalid start byte
......
    config = dict(Config(dvc_dir, validate=False))
  File "dvc/config.py", line 105, in __init__
    self.load(validate=validate, config=config)
  File "dvc/config.py", line 151, in load
    conf = self.load_config_to_level()
  File "dvc/config.py", line 283, in load_config_to_level
    merge(merged_conf, self.load_one(merge_level))
  File "dvc/config.py", line 200, in load_one
    conf = self._load_config(level)
  File "dvc/config.py", line 179, in _load_config
    conf_obj = ConfigObj(fobj)
  File "configobj.py", line 1229, in __init__
    self._load(infile, configspec)
  File "configobj.py", line 1279, in _load
    content = infile.read() or []
  File "codecs.py", line 322, in decode
    (result, consumed) = self._buffer_decode(data, self.errors, final)

I think it should be wrapped by ConfigError.

More context at https://sentry.io/organizations/iterative/issues/3606551247/?project=5220519&referrer=slack#exception

DVC Version

2.24.0